DCA calculator
Plan a dollar-cost averaging schedule: how much you'll buy each time, how often, and for how long. The estimated value uses a return rate that you set yourself — it's a hypothetical, not a forecast.
The estimated value applies the return rate you entered evenly to each contribution. It is not a prediction. Crypto can lose value, and a real result can be lower than what you invested.
What dollar-cost averaging actually does
Dollar-cost averaging means buying a fixed dollar amount on a regular schedule — say $100 every week — regardless of the price that day. When the price is low your fixed amount buys more coins; when it's high it buys fewer. Over time your average entry price smooths out, and you sidestep the trap of trying to guess the perfect moment to buy. For beginners that's the whole appeal: it turns a stressful timing decision into a calm, repeating habit.
This calculator builds your schedule from three things. The amount per buy and the frequency set how much goes in each period, the number of months sets how long, and from those it counts the total number of buys and the total invested. A weekly plan runs roughly 52 buys a year, biweekly about 26, monthly 12 — the tool converts your month count into the right number of purchases. The total invested figure is the honest headline: it's exactly the cash you'll have put in, with no assumption baked in.
The estimated value is different, and it's worth being clear about. It applies the annual return you typed — a number you choose — evenly to each contribution, so a later buy has less time to grow than an early one. Leave the rate at 0 and the estimate equals what you invested. Put in a positive number and you're exploring a what-if, not reading a forecast. Nobody can tell you what crypto will do; this line only answers "if it averaged X% a year, roughly where would I land." Our guide to dollar-cost averaging goes deeper on why the method suits people who can't watch charts all day.
A word on the downside, because DCA is sometimes oversold as risk-free. It isn't. Spreading buys reduces timing risk, but if the asset falls and stays down, a steady schedule still loses money — you simply lose it more gradually. Decide the amount from a budget you can leave alone, which our how much to start with guide helps you set.
Making a plan you'll stick to
- Pick an amount small enough that you won't be tempted to skip a buy.
- Automate it if your exchange allows, so emotion stays out of it.
- Treat the estimated value as a sandbox, not a target.
- Hold the funds somewhere you understand — see our security guide before you size up.
Signing up with a referral code such as BNB968 can lower the fee on each scheduled buy, so slightly more of every contribution turns into coins — a code never makes you pay more. It changes nothing about the return assumption, which is yours to set.