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CoinucationBitcoin DCA calculator: $100 monthly since 2020
What a recurring buy would be worth today. Uses Coinucation's daily close history, not a model; fees and taxes are optional below. What is dollar-cost averaging?
$100 monthly into Bitcoin since Jan 1, 2020 is worth $22,939 today on $8,200 invested across 82 purchases, a +179.7% result with an average cost of $28,867 against $80,756 now. A lump sum of the same $8,200 on Jan 1, 2020 would be $91,840.
Invested vs value
monthly $100 buysPurchase schedule
Every 11 months shown| Date | Price | Bought | Invested to date | Value then | P/L then |
|---|---|---|---|---|---|
| Jan 2020 | $7,174 | 0.0139 BTC | $100 | $100 | −0.5% |
| Dec 2020 | $18,783 | 0.005297 BTC | $1,200 | $2,283 | +90.2% |
| Nov 2021 | $60,950 | 0.001632 BTC | $2,300 | $8,972 | +290.1% |
| Oct 2022 | $19,315 | 0.005151 BTC | $3,400 | $3,543 | +4.2% |
| Sep 2023 | $25,795 | 0.003857 BTC | $4,500 | $5,927 | +31.7% |
| Aug 2024 | $65,288 | 0.001524 BTC | $5,600 | $16,490 | +194.5% |
| Jul 2025 | $105,712 | 0.000941 BTC | $6,700 | $28,085 | +319.2% |
| Jun 2026 | $73,599 | 0.001352 BTC | $7,800 | $20,484 | +162.6% |
| Oct 2026 | $83,576 | 0.001191 BTC | $8,200 | $23,740 | +189.5% |
Bitcoin DCA FAQ
Is DCA into Bitcoin a good idea?
Dollar-cost averaging spreads your entry price over time, so you never put everything in at a top, at the cost of giving up some upside when prices only rise. In this backtest $100 monthly since Jan 1, 2020 returned +179.7% against +1020.0% for a lump sum on day one. Whether it suits you depends on your income, horizon and risk tolerance; this page is educational, not advice.
DCA or lump sum: which is better?
Historically a lump sum wins more often in rising markets because the money is exposed longer, while DCA wins when prices fall after the start date. The DCA vs lump sum panel above runs both for the window you chose, net of the same fee.
How are fees handled?
The exchange fee you enter is taken out of every purchase before coins are bought, so "total invested" is the gross amount you paid and "coins accumulated" reflects what the fee left. Recurring-buy fees on exchanges range from zero to about 1.5%; 0.5% is the default.
Where does the price data come from?
Coinucation stores a daily close for Bitcoin from Coinbase candles back to listing and CoinGecko for the last year, 4,099 days as of Oct 8, 2026. Today's value uses the price from our 20-minute sampler. Each purchase uses the close on its scheduled day; charts sample monthly.
What does annualised return mean here?
It is the money-weighted rate (an internal rate of return) that turns the sequence of purchases into today's value, so later purchases count for less time than early ones. It is an approximation and says nothing about future returns.
Calculations use monthly closes for charts and the daily close on each purchase date for totals. Past performance is not a forecast. Not investment advice. Ownership disclosure.
BTC trades against USD on Kraken. Coinucation may earn a commission if you sign up through this link; it does not change our data or coverage.
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