DCA Calculator — Bitcoin/ETH Dollar Cost Averaging Simulator
Simulate monthly DCA (Dollar Cost Averaging) investing into Bitcoin (BTC), Ethereum (ETH), or Solana (SOL). Uses real-time CoinGecko prices to estimate total value, ROI, and compare DCA vs Lump Sum strategies.
Live Price
N/A
Total Invested
₩6,000,000
Est. Portfolio Value
₩26,352,234
Estimated ROI
+339%
Disclaimer — Estimates are based on historical CAGR assumptions and CoinGecko live prices. Crypto is extremely volatile. Not financial advice.
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Frequently Asked Questions
Q. What is DCA (Dollar Cost Averaging)?
DCA is an investment strategy where you invest a fixed amount at regular intervals (weekly, monthly) regardless of price. You automatically buy more when prices are low and less when high, reducing the average cost per unit over time.
Q. Is DCA always better than Lump Sum?
No. Research shows Lump Sum outperforms DCA ~66% of the time in consistently rising markets. However, for volatile assets like crypto, DCA reduces timing risk and provides psychological comfort during downturns.
Q. How does this calculator estimate returns?
It fetches live prices from CoinGecko API, then back-calculates historical purchase prices using each coin's historical CAGR (BTC ~65%, ETH ~80%, SOL ~120%). These are educational estimates based on past performance.
Q. What is a good amount to start Bitcoin DCA?
You can start with as little as $10/month. Consistency matters more than amount. Binance offers recurring buy features to automate monthly DCA. Always invest only what you can afford to lose.
Q. Why does SOL show higher estimated returns than BTC?
Solana has shown explosive growth since 2020, resulting in a higher historical CAGR. However, this reflects its short history and extreme volatility. Higher potential returns always come with higher risk.
Q. How are taxes handled for DCA crypto investments?
Tax treatment varies by country. In South Korea, crypto gains above ₩2.5M annual exemption are taxed at 22% (including local tax). Keep records of all purchase dates and amounts for accurate tax calculation. Consult a tax professional.
Q. What exchange rate is used for KRW conversion?
This calculator accepts monthly investment in KRW and converts to USD using a default rate of ₩1,350/USD. Actual exchange rate fluctuations may affect real-world results.
How to Use
Enter the monthly investment amount (KRW) and choose BTC, ETH, or SOL.
Slide to set 1–10 years of DCA. The start date is for reference.
Live CoinGecko prices power the calculation: total invested, estimated value, and ROI appear instantly.
See how investing all at once at the start would have performed versus your monthly DCA strategy.
Expert Knowledge: DCA Calculator — Bitcoin/ETH Dollar Cost Averaging Simulator
Dollar Cost Averaging (DCA) is a strategy even Warren Buffett recommends for ordinary investors — instead of trying to time the market, you systematically buy at regular intervals. For crypto, this discipline is especially powerful.
If you had invested $100/month in Bitcoin from 2013, your portfolio would have grown by hundreds of times by 2024. Of course, past performance doesn't guarantee future results. The key is maintaining the habit through both bull and bear markets.
Professional investors often say "time in the market beats timing the market." In bear markets, DCA becomes an opportunity: falling prices mean you acquire more coins per dollar invested, lowering your average cost and setting up stronger gains when the market recovers.
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