Dollar-cost averaging (DCA) into Bitcoin means investing a fixed amount at regular intervals (e.g. $100/week) regardless of price. This reduces the impact of volatility and removes the need to time the market.

How much would I have if I DCA'd $100/week into Bitcoin?

It depends on when you started. Someone investing $100/week since September 2014 would have invested about $59,800 total. At current prices, that investment would be worth significantly more due to Bitcoin's long-term price appreciation, though past performance doesn't guarantee future results.

Is DCA better than lump sum investing for Bitcoin?

Historically, lump sum investing has produced higher returns than DCA because markets tend to go up over time. However, DCA reduces the risk of buying at a peak and is psychologically easier for most investors dealing with Bitcoin's high volatility.

How does Bitcoin DCA compare to S&P 500 DCA?

Since 2014, DCA into Bitcoin has significantly outperformed DCA into the S&P 500 in total returns, though with much higher volatility. Bitcoin DCA experienced larger drawdowns but recovered to produce higher cumulative returns over every multi-year period.

Bitcoin DCA Calculator, Weekly Since 2014

DCA Parameters

Amount per purchase

Frequency

Start date

Bitcoin DCA

$49,561

$26,200 invested · +89.2%

1.9x return · 26.0% annual money-weighted return (XIRR)

S&P 500 DCA (dividends included)

$41,583

$26,200 invested · +58.7%

1.6x return · 18.7% annual money-weighted return (XIRR)

DCA Breakdown

Total Invested

$26,200

# Purchases

262

BTC Accumulated

0.616809 BTC

Avg Cost / BTC

$42,477

BTC Profit/Loss

+$23,361

SPY Profit/Loss

+$15,383

BTC vs SPY

+$7,978

BTC Annual XIRR

26.0%

Growth Over Time

Portfolio value of $100.00 invested weekly into BTC vs S&P 500, compared to total capital deployed.

How regular purchases work: Regular purchases spread entry dates across the selected period. They do not remove price risk. By investing a fixed amount regularly, you buy more BTC when prices are low and less when prices are high. Your average cost of $42,477 per BTC reflects those scheduled purchases over your selected dates. This disciplined approach turned $26,200 into $49,561.

Methodology

Historical BTC/USD weekly closing prices sourced from Blockchain.info (Aug 2010 - Sep 2014) and Yahoo Finance (Sep 2014 - present). SPY (S&P 500 ETF) dividend- and split-adjusted prices from Yahoo Finance.

DCA simulation assumes each purchase executes at the weekly closing price on or before the scheduled purchase date. No transaction fees or taxes are included.

Annual money-weighted return (XIRR) uses each purchase date and the final valuation, on a 365-day year. Monthly purchases fall on the same calendar day each month. Contributions arrive on their scheduled dates; there is no waiting cash balance in this calculation.

SPY adjusted-price ratios approximate returns with dividends reinvested; they are not a ledger of dividend payments and share purchases. Only completed weeks are included. Both investments use the same contribution dates and final valuation date (2026-09-06), carrying the latest available stock close through the weekend.

Past performance does not guarantee future results. Bitcoin is extremely volatile and can lose 50%+ of its value in months.

See our Bitcoin Allocation Calculator for forward-looking portfolio optimization.

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What would buying every week have done?