Crypto Dollar-Cost-Averaging Calculator
See how buying a fixed amount of crypto on a schedule builds your position, and why your average cost lands below the simple average price.
How it works
Coins = Σ (amount ÷ priceᵢ) · Average cost = total invested ÷ coins · Value = coins × current price
Dollar-cost averaging invests the same amount every interval regardless of price, so your money automatically buys more units when the market is cheap and fewer when it is expensive. That mechanically pulls your average cost below the simple average of the prices you paid — a mathematical edge, not luck. It also removes the pressure to time the market, which is why it is the default approach for volatile assets like crypto.
Worked example
Twelve monthly buys of $100 ($1,200 total) starting at $20,000 and drifting up 2% each buy accumulate about 0.0539 coins at an average cost near $22,250 — below the ~$22,400 simple average. At a $30,000 current price the stake is worth about $1,618.
Frequently asked questions
Why is my average cost below the average price?
Because a fixed dollar amount buys more coins when prices are low and fewer when they are high, your holdings are weighted toward the cheaper buys. That weighting always drags the cost-per-coin below the plain average of the prices.
Is DCA better than investing a lump sum?
Historically, lump-sum investing wins more often because markets tend to rise, so money in sooner captures more growth. DCA wins on smoothing risk and discipline, and shines in choppy or falling markets. Compare the two directly with the DCA-vs-lump-sum calculator.
How is the price path modelled?
This tool assumes a steady per-buy drift to keep the result deterministic. Real prices zig-zag, but the core lesson — that fixed-dollar buying lowers your average cost — holds regardless of the exact path.
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Educational estimate, not investment advice. Markets involve risk of loss.