HISTORICAL SIMULATION · USD
Regular purchases.
Visible assumptions.
Model a fixed cash contribution every week or month, including estimated buying fees. Inspect the dated purchase schedule and the losses as well as the gains.
VALUE AT THE SELECTED END DATE
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Choose a schedule and calculate.
- Total cash contributed
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- Estimated buying fees
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- BTC accumulated
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- Gain / loss after modeled buying fees
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- Number of purchases
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- End-date USD reference per BTC
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- Same-total-cash lump sum · end value
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The comparison assumes all cash was available on the first date and applies the percentage fee plus one fixed fee once. DCA receives cash over time. This difference matters.
Loading historical snapshot…
Source: Blockchain.com daily USD market average. Full DCA method · Data release and integrity record.
What is dollar-cost averaging?
Dollar-cost averaging means contributing a fixed cash amount at regular intervals. At lower prices it buys more BTC; at higher prices it buys less. It spreads purchase dates, but neither the strategy nor a historical result guarantees profit or a recovery.
How does this calculator handle fees and dates?
Each contribution includes its buying fees. The percentage fee is rounded to the nearest US cent, with half a cent rounded up, then the fixed fee is added. The remaining cents buy BTC at the selected daily reference, rounded down to a whole satoshi for each purchase. Weekly schedules advance seven UTC days. Monthly schedules use the first purchase’s calendar day, clamping to the last day of shorter months without changing the original day for later months.
Only exact observations are used. If a scheduled purchase or the valuation date is missing, no result is calculated; dates are not shifted or interpolated. Gains and losses compare reference value with total contributions, including modeled buying fees. This percentage is not an annualized return or a money-weighted performance measure.
What does the lump-sum comparison mean?
It uses the same total cash and the first purchase date’s reference price. A percentage fee and one fixed fee are deducted once. It assumes all the money existed at the beginning; the DCA schedule instead receives cash over time. Neither path includes returns on uninvested cash, execution spread, taxes or withdrawal costs. A historical winner in this comparison is not evidence of future superiority.
What can the result leave out?
Daily reference prices are averages, not executable offers. The model assumes uninterrupted access to the BTC, no lost keys and no provider failure. Early markets may not have supported the modeled order size. A positive reference value is not a guaranteed cash withdrawal. You can lose some or all of your money.
Read the risk guide, inspect historical losses and recovery periods, or compare a single historical purchase.
Historical research is a dated snapshot. Source dates and limitations appear beside each resource.