Free Tool

Bitcoin DCA Calculator

What if you'd invested a fixed amount into Bitcoin every week? See your hypothetical returns vs the S&P 500 using real historical prices.

DCA Parameters

$
Bitcoin DCA
$1565.63M
$81,700 invested · +1916218.9%
19163.2x return · 88.3% annualized
S&P 500 DCA
$240,346
$81,700 invested · +194.2%
2.9x return · 7.2% annualized

DCA Breakdown

Total Invested
$81,700
# Purchases
817
BTC Accumulated
20102.5128 BTC
Avg Cost / BTC
$4.06
BTC Profit/Loss
+$1565.55M
SPY Profit/Loss
+$158,646
BTC vs SPY
+$1565.39M
BTC Annualized
88.3%

Growth Over Time

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

Why DCA works for Bitcoin: Dollar-cost averaging smooths out Bitcoin's famous volatility. By investing a fixed amount regularly, you buy more BTC when prices are low and less when prices are high. Your average cost of $4.06 per BTC is the result of buying through multiple market cycles — including drawdowns of 50%+. This disciplined approach turned $81,700 into $1565.63M.

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) data 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.

Annualized return is calculated as (Final Value / Total Invested)^(1/years) − 1, which represents the compound annual growth rate of total capital deployed.

SPY returns include price appreciation only (no dividends reinvested). Including SPY dividends (~1.3% yield) would increase the S&P 500 result by approximately 1-2 percentage points annualized.

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.

Ready to optimize your Bitcoin allocation?

Portfolio Lab uses J.P. Morgan capital market assumptions to find your optimal Bitcoin allocation across 27 asset classes — with Monte Carlo simulation and 20+ years of backtesting.

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Related reading

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