How to use it
- Enter Starting amount.
- Enter Assumed growth % / year.
- Enter Years.
- Enter Compounds / year.
- Enter Buy per month.
The formula
FV of regular purchases at an assumed growth rate.
Worked example
About this calculator
Dollar-cost averaging is the default strategy of people who accept a simple truth: nobody times crypto tops and bottoms reliably. A fixed purchase on a fixed day removes emotion from the single decision that destroys most retail portfolios — buying more when euphoric and freezing when prices fall.
Use the growth field as a scenario dial, not a promise. Crypto has delivered years of +100% and years of −70%; a plan that only works at optimistic growth is not a plan. The honest use of this tool is comparing how much of the outcome comes from your contributions versus assumed growth — early on, it's almost all contributions.
Frequently asked questions
Why DCA instead of a lump sum?
DCA spreads your entry across prices, trading some expected return for far less regret and timing risk in a volatile asset.
What growth rate should I assume?
Nobody knows. Test several — including 0% and negative — and treat every result as a scenario, not a forecast.
Does DCA guarantee profit?
No. If the asset falls over your whole horizon, DCA loses too — it averages your price, it doesn't remove market risk.
Tips
- Never invest more than you can afford to lose — crypto is volatile.
- Self-custody means responsibility: back up your seed phrase offline.
- Check fees and spreads — they quietly eat small trades.
Key terms
- Staking
- Locking coins to secure a network and earn rewards.
- DCA
- Dollar-cost averaging — buying fixed amounts on a schedule.
- Impermanent loss
- Value gap from providing liquidity vs simply holding.