BTC
ETH
SOL
XRP
BNB
DOGE
ADA
LINK
AVAX
LTC
HBAR
ICP
CoinucationXRP DCA calculator: $100 monthly since 2025
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 XRP since Jan 1, 2025 is worth $1,662 today on $2,200 invested across 22 purchases, a -24.5% result with an average cost of $1.79 against $1.35 now. A lump sum of the same $2,200 on Jan 1, 2025 would be $1,269.
Invested vs value
monthly $100 buysPurchase schedule
Every 3 months shown| Date | Price | Bought | Invested to date | Value then | P/L then |
|---|---|---|---|---|---|
| Jan 2025 | $2.33 | 42.7314 XRP | $100 | $100 | −0.5% |
| Apr 2025 | $2.14 | 46.5192 XRP | $400 | $362 | −9.5% |
| Jul 2025 | $2.17 | 45.804 XRP | $700 | $664 | −5.2% |
| Oct 2025 | $2.95 | 33.7322 XRP | $1,000 | $1,207 | +20.7% |
| Jan 2026 | $1.84 | 54.0605 XRP | $1,300 | $1,010 | −22.3% |
| Apr 2026 | $1.34 | 74.3059 XRP | $1,600 | $1,011 | −36.8% |
| Jul 2026 | $1.04 | 95.8482 XRP | $1,900 | $1,036 | −45.5% |
| Oct 2026 | $1.49 | 66.7978 XRP | $2,200 | $1,834 | −16.7% |
XRP DCA FAQ
Is DCA into XRP 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, 2025 returned -24.5% against -42.3% 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 XRP from Coinbase candles back to listing and CoinGecko for the last year, 1,878 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.
XRP 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.
Embed this calculator on your site
Free to embed with the Coinucation credit kept. Paste this where you want the widget:
This calculator in other languages: Español · Português · Türkçe · Tiếng Việt