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INVESTMENT TOOLS / SCENARIO MODEL

DCA calculator.

What could regular contributions add up to? Model how your deposits, fees and an assumed annual return work together — without confusing a projection with historical data.

Daily / Weekly / MonthlyCustom annual scenarioFee-awareCash vs portfolio chartRuns locally

Projection mode only. There is no live token price or historical backtest in this version. A positive annual return is not assumed automatically, and real investments do not grow at a smooth constant rate.

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01

Your investment plan

Enter a contribution amount, how often you invest and how long. All figures use one currency (e.g. USD).

The amount you set aside at each interval, including any fees. For example, 100 USD each month. It must be greater than zero.
Monthly uses 12 periods per modeled year, weekly 52 and daily 365. This is a model of equal time steps, not real calendar dates or price history.
Investment duration, in years; up to 50 years. For 6 months, enter 0.5. Duration is rounded to a whole scheduled contribution period.
Your OWN scenario assumption for effective annual investment performance. Not a forecast or historical estimate. Zero means the model assumes no market growth; negative rates model losses. The same rate is applied smoothly each period.
Starts at 0% to avoid assuming investment growth. Enter a negative number to test a falling scenario.
Initial investment, fees & timingOptional

Leave these settings at their defaults for a simple contribution projection. Fees, if entered, are deducted from the amount invested on each purchase.

Optional starting cash investment made immediately, before recurring deposits. Blank is treated as zero.
Percentage trading fee charged on every recurring contribution and an initial contribution, if supplied. Enter 0.1 for 0.1%. Fees reduce the amount invested, not the scheduled contribution.
Fixed fee in the same currency charged for each purchase. Leave blank or enter 0 if none. A nonzero initial investment also incurs this fee.
Beginning of period: recurring cash participates in that period’s return. End of period: the contribution is made after that period’s return. End is the default.
How the scenario works: 12 monthly, 52 weekly or 365 daily equal periods per modeled year. An effective annual return is converted into an equivalent periodic return and applied uniformly. No cryptocurrency, live quotes, historical prices, volatility, capital-gains tax or inflation data are used.
HOW TO READ THIS MODEL

Consistency is a plan. Returns are an assumption.

Dollar-cost averaging (DCA) means investing a fixed amount at regular intervals instead of trying to identify the perfect time to buy. You may get more units when prices fall and fewer when they rise — but this projection is not buying real units: it applies one hypothetical annual return to a monetary portfolio.

Each new deposit increases the invested balance after fees. Between deposits, the existing balance grows or shrinks at a constant periodic rate derived from the annual assumption.

Periodic return = (1 + annual return)1 / periods per year − 1
End-of-period balance = previous balance × (1 + periodic return) + net contribution

Unlike historical DCA, this simplified projection does not model purchasing at actual BTC, ETH or other market prices. It cannot compute real average purchase cost or drawdown. Those features require licensed, time-stamped historical datasets.

Read our methodology ↗
DCA / LEARN

Learn the difference between a hypothetical DCA projection and actual acquisition cost—with five illustrated purchases and one partial sale.

Read the illustrated DCA guide ↗