Can You Lose Money With Bitcoin DCA? A Historical Study
We tested every completed monthly Bitcoin DCA start over 1, 3 and 5 years. Explore losses, recovery paths and downloadable historical results.
Read post784
crypto · stocks · commodities
15yr
since 2010
4
daily → monthly
<100
milliseconds, in-browser
· 01 · Pick an asset
All assets Three categories. One calculator.
Crypto
BTC
BTC
Bitcoin
Daily
since 2014
ETH
ETH
Ethereum
Daily
since 2017
SOL
SOL
Solana
Daily
since 2020
BNB
BNB
BNB
Daily
since 2017
Open Crypto calculator
Stocks
AAP
AAPL
Apple
Daily
since 1980
NVD
NVDA
NVIDIA
Daily
since 1999
MSF
MSFT
Microsoft
Daily
since 1986
SPY
SPY
S&P 500
Daily
since 1993
Open Stocks calculator
Commodities
Gol
Gold
Gold (oz)
Daily
since 2000
Sil
Silver
Silver
Daily
since 2000
+ more on calculator page
Open Commodities calculator
· 02 · The Method
Pick an amount. Pick a frequency. Don't stop.
That's the whole strategy. Dollar-cost averaging spreads your buy-in across time so you stop trying to time the market — and start owning it.
- 01
Choose an amount you can ignore
Whatever fits your budget. Once set, treat it like rent — it leaves your account whether you feel like investing or not.
- 02
Pick a fixed cadence
Weekly is the sweet spot. Bi-weekly works on payday schedules. Monthly is the bare minimum.
- 03
Run it for a decade, not a year
DCA is a 5–30 year strategy. Anything shorter is just trading with extra steps.
· 03 · Tools
All calculators Beyond backtesting.
Lump Sum vs DCA
Head-to-head comparison with real historical data
Compound Interest
Visualize the power of compounding over decades
FIRE Calculator
Find your financial independence number and timeline
Savings Goal
How much to save per period to hit your target
BTC Halving Cycles
Overlay Bitcoin halvings on DCA performance
Portfolio Builder
Multi-asset DCA with custom allocations
Cost Basis Tracker
Track lots, gains, and average purchase price
DCA Out Planner
Price ladders and time-based exit plans, backtested
· 04 · Reading
All posts Long-form writing on DCA.
How to DCA Out: A Practical Guide to Selling Gradually
Build a DCA out plan with scheduled sales or price targets. Compare cash, unsold holdings and execution risk in an interactive exit simulator.
Read postThe Real Cost of DCA: Fees, Spreads and Small Purchases
Explore how DCA fees and spreads affect small purchases. Compare daily, weekly and monthly buying with an interactive cost calculator and transparent examples.
Read post Partner offers
Run the plan on a real exchange
Five exchanges where DCA — and tokenized stocks & ETFs — actually work, each with a real discount. Pick one, copy the code, trade cheaper.
- Kraken20% off fees for life — crypto, stocks & ETFsSign up
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- Bybit€30 BTC welcome bonus (EEA)Sign up
- Hyperliquid4% off fees — on-chain perpsSign up
All exchanges & current codes → find.codes
Referral links support the site and never affect the math. Availability varies by country — check your local regulations.