Bitcoin DCA Calculator
This bitcoin DCA calculator goes beyond simple yearly averages and retrospective analysis.
See how dollar-cost averaging performs through bitcoin's historical market cycles, including bear markets, accumulation phases and bull runs.
Disclaimer: This bitcoin DCA calculator is an educational simulation tool only. It generates hypothetical scenarios based on values you select and a simplified 4-year cycle model based on historical halving patterns. This cycle framework is a speculative theory commonly discussed in the bitcoin community, but it is not a prediction of future market behavior and should not be relied upon for investment decisions.
The results illustrate how a dollar-cost averaging strategy could behave with the above assumptions; they are not predictions or guarantees. The value of bitcoin and other digital assets can fluctuate significantly based on a variety of factors. You should carefully evaluate your own financial situation and seek independent financial advice before making investments.
Bitcoin Well's Bitcoin DCA Calculator
Bitcoin price
Live market price
Move the sliders below to set the parameters for the DCA simulation.
Market cycle settings
Select the magnitude of the bear market drawdowns and bull market impulses.
These settings are what the calculator uses to simulate the price over time.
Fixed values: Accumulation (+15%), Distribution (-10%), Monthly Volatility (±20%)
Set the parameters to start
Adjust the sliders above to see the bitcoin DCA simulation.
Bitcoin DCA calculators often underestimate accumulation
The flawed assumption
Some DCA calculators take today's price and apply a steady annual return across the entire dollar-cost averaging period.
Why this breaks
This assumes every single purchase over the next several years happens at or above today's price level.
Historical trend
Bitcoin has historically moved in cycles with dramatic volatility; it often undergoes significant corrections before reaching new peaks.
The result
The amount of bitcoin that can be accumulated through a DCA strategy is likely understated, as the buying opportunities that volatility creates aren't accounted for.
An example of how this plays out
Let's take a 4-year DCA strategy starting today:
CAGR type calculator
- • Takes current price as baseline
- • Applies ~20% annual growth
- • Every purchase happens at progressively higher prices
- • Dollars buy less bitcoin each month
Our calculator's approach
- • Accounts for historical volatility patterns
- • Models the drawdowns that often occur
- • A portion of purchases happen at lower prices
- • More bitcoin accumulated during bear phases
The difference can be dramatic; often 50-100% more bitcoin accumulated when you account for both bear and bull market cycles versus steady-growth assumptions.
Bitcoin dollar-cost averaging;
low time preference
Chosen by those who plan in decades, not days.
Steady accumulation compounding over time.
Self-custody to ensure independence.
Future-proof your money.
Why bitcoin DCA often beats "timing the market"
Almost everyone has looked at bitcoin's price charts and thought:
"If only I had bought at the bottom"
Unfortunately, this type of perfect timing only works in hindsight; even professional traders with years of experience struggle to consistently predict the price movements of bitcoin.
Dollar-cost averaging takes a different approach. The strategy smooths out bitcoin's volatility over time through consistent accumulation.
How to start dollar-cost averaging bitcoin
Practical steps commonly used to begin a dollar-cost averaging strategy.
Choose a sustainable amount
Guidelines:
- • Start with what feels comfortable
- • Increase later if budget allows
- • Consistency beats size
- • Even $100/month will compound
Ask yourself: "Can I maintain this amount during a recession?"
Match your paycheck
Optimal timing:
- • Weekly paycheck? Weekly DCA
- • Monthly salary? Monthly DCA
- • Buy with "fresh fiat"
- • Make it automatic like rent
Aligning DCA with your income makes it sustainable.
Automate everything
Why automation wins:
- • Manual buying relies on willpower
- • Life gets busy, markets get scary
- • Automation removes human error
- • Purchases happen rain or shine
Your stack grows on schedule, every time, without fail.
Start buying
Why start now:
- • Waiting costs opportunity
- • Consistency compounds over time
- • Recurring Buy stacks on autopilot
- • Patience today; freedom tomorrow
Time and consistency are central to a dollar-cost averaging approach.