How it works
Dollar-cost averaging describes a purchase schedule. It does not guarantee a lower purchase price or a positive return. Every purchase price in this model is entered by you.
The formula
Keep currency, units and time periods consistent. Percentage inputs use percentage points (enter 5 for 5%). Results are rounded only for display; tiny nonzero values may use scientific notation. Undefined ratios are shown as unavailable.
Six $200 buys at $50, $40, $30, $35, $45 and $55 accumulate 29.46176046 units. Average cost is $40.73; at a $60 scenario price, value is $1,767.71 and P&L is $567.71 (47.31%).
Calculation method
Use equal contributions for a fixed budget per period, or custom contributions to vary each amount. Weekly, monthly and custom labels organize the schedule; frequency alone does not change units for an unchanged list of prices and amounts.
Interpretation
Buy fees add to your cash cost. An optional initial purchase is included separately. The optional lump-sum comparison uses the same pre-fee contribution total at a price you supply, not an assumed historical or future price.
Method and reference sources
Method and content checked 2026-09-20. These sources provide background, not endorsement or professional certification. The formula and limitations above define this calculator.
- Investor.gov — Crypto assetsRisk and product context. Prices, supplies and trading costs are entered by you, not supplied by this reference.
Frequently asked questions
Does this DCA calculation predict future prices?
No. Each entered purchase price defines a scenario. A regular contribution schedule does not imply a guaranteed return or protect the account from losses.
What is a worked example for DCA?
Six $200 buys at $50, $40, $30, $35, $45 and $55 accumulate 29.46176046 units. Average cost is $40.73; at a $60 scenario price, value is $1,767.71 and P&L is $567.71 (47.31%).