DCA calculator
Compare recurring crypto purchases with an equal-budget lump sum using a daily price CSV. Review purchase dates, fees and end-of-period value.
Inputs
Hypothetical example. Replace these inputs with your own.
Result
Calculation result
Example result
- Final DCA value
- 396 USD
- Total contributed budget
- 300 USD
- DCA purchase fees
- 3 USD
- Total purchased tokens
- 3.96 tokens
- DCA profit / loss
- 96 USD
- Simple return on contributed budget
- 32 %
- Average cost including fees
- 75.75757576 USD/token
- Average purchase price excluding fees
- 75 USD/token
- Equal-budget lump-sum value
- 297 USD
- Lump-sum purchase fee
- 3 USD
- Lump-sum tokens
- 2.97 tokens
- Lump-sum profit / loss
- -3 USD
- Lump-sum simple return
- -1 %
- DCA value minus lump sum
- 99 USD
- Scheduled purchases
- 3 count
- User-provided prices; source not verified. The built-in example is synthetic, not market history.
- Purchases use exact daily UTC closes, including a purchase on the final date. Missing dates are never interpolated or skipped.
- The lump-sum benchmark assumes the entire contributed budget was available at the start. Unused cash earns zero. No final sale fee, tax, spread, slippage or annualized return is included.
| Purchase date · UTC | Price · USD/token | Budget · USD | Fee · USD | Net investment · USD | Tokens bought · tokens | Cumulative tokens · tokens | Cumulative budget · USD |
|---|---|---|---|---|---|---|---|
| 2025-01-01 | 100 | 100 | 1 | 99 | 0.99 | 0.99 | 100 |
| 2025-02-01 | 50 | 100 | 1 | 99 | 1.98 | 2.97 | 200 |
| 2025-03-01 | 100 | 100 | 1 | 99 | 0.99 | 3.96 | 300 |
Saved scenarios
Save up to 20 new-tool scenarios on this device, separately from the six existing tools. Prices and balances stay out of the URL. DCA, journal and correlation scenarios save settings and a digest, requiring the matching CSV again to calculate.
Saving requires browser storage and Web Locks.
Formula and worked example
At each exact scheduled date, tokens bought = (budget − percentage fee − fixed fee) ÷ daily price. Monthly dates retain the original day, clamping only shorter months. End value uses the exact final daily price. The equal-budget lump sum invests the same total budget at the first date with one fixed fee.
Synthetic example, not market history: monthly $100 purchases at prices 100, 50 and 100, with 1% purchase fees, buy 3.96 tokens. Total budget is $300 and end value $396, a $96 gain or 32% simple return. The $300 lump sum buys 2.97 tokens and ends at $297. Missing required daily prices cause an error; no interpolation, automatic history, final sale fee or annualized return is used.
These estimates use bounded decimal arithmetic. They are scenario calculations, not trading instructions or forecasts.
Methodology sources: Dollar-cost averaging
Related tasks and reading
This website is developed by Zack White and Vincent Hale.