Crypto DCA Calculator Average cost, break-even, ROI, fee drag and lump sum compare
Calculate crypto DCA average cost, total coins accumulated, break-even price, current value, target value, fee drag, realized and unrealized profit, and compare DCA against lump sum with live charts.
Country
Currency
📅
Crypto DCA Calculator
Asset
SYM
Live price unavailable
Manual price entry available
Mode
Tax
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Applies only to positive realized or target gains in the displayed result.
Netherlands Box 3 tax mode
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YR
This is separate from current portfolio value and cost basis. Enter the actual portfolio value on 1 January.
Recurring Plan Inputs
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Auto-derived from frequency and number of buys, or use end date to derive number of buys.
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Optional realized sells
COIN
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Custom Buy Rows
Date / Label
Buy price
Fiat spent
Fee %
Network fee
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ComparisonLump sum amount is auto-filled from total DCA invested. Warning appears if you override it.
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Lump sum amount differs from total DCA invested. Comparison is less reliable unless both totals match.
Estimated Portfolio Profit
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Estimated, not yet realised
Total Invested
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all buys plus network cost
Total Coins
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accumulated after fees
Avg. Cost
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weighted average cost
Current Value
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at current market price
★ DCA Outcome
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Break-even price—
Target value—
Target ROI—
Fee drag—
💰 Position Split
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Realized profit—
Remaining quantity—
Remaining unrealized—
End date—
Cumulative Average Cost Progression
Buy price
Cumulative average cost
Portfolio Value at Current Price
Advanced Metrics
Mode—
Total invested—
Total fees—
Fee drag %—
Total quantity—
Weighted average cost—
Current value—
Unrealized P&L—
ROI %—
Break-even price—
Target value—
Target ROI—
Tax estimate—
NL Box 3 estimate—
DCA vs Lump Sum
Winner by current value—
DCA current value—
Lump sum current value—
Coin difference—
Average cost difference—
DCA ROI—
Lump sum ROI—
Buy-by-Buy Breakdown
Buy
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Spent
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Cumulative Avg.
✦ Cal, AI DCA Analysis
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📈 Quick reference
Metric
Meaning
Weighted average cost
Total cost basis divided by total quantity
Cost basis
Total fiat invested including network cost
Unrealized P&L
Current value minus cost basis
Break-even
Price where position value equals cost basis
DCA
Buying over time instead of all at once
Lump sum
Single one-time purchase with same capital
📅 DCA notes
DCA lowers timing risk because buys are spread across multiple dates and prices.
Fees matter more when the recurring amount is small because cost drag compounds across buys.
Average cost matters more than the first buy price once several entries exist.
Break-even changes after every new purchase because cost basis and quantity both move.
Current value is still unrealized until the position is actually sold.
Dollar cost averaging means buying a fixed amount of crypto on a recurring schedule instead of deploying all capital at once. The core benefit is timing-risk reduction. When the market falls, later buys acquire more coins. When the market rises, the position still builds, but the weighted average cost changes more gradually than a one-time entry.
For a DCA plan, the most important number is not the first buy price. It is the weighted average cost after all buys. That average cost determines your break-even point and how sensitive the position is to current or future market price.
How weighted average cost works
coins bought = (fiat spent - buy fee amount - network fee) ÷ buy price
buy fee amount = fiat spent × fee rate
total cost basis = sum(fiat spent + network fee)
weighted average cost = total cost basis ÷ total quantity
current value = total quantity × current price
unrealized profit = current value - total cost basis
fee drag % = total fees ÷ total invested × 100
Fee drag is locked as total fees divided by total invested times 100. It is shown as a percentage of invested capital, not current value.
DCA vs lump sum
DCA does not always beat lump sum. If price rises steadily after the first buy, a lump sum often wins because more capital was deployed earlier at lower prices. If price falls or remains volatile, DCA can produce a lower average cost and sometimes a stronger current value result. The calculator compares both using the same capital base so the result is meaningful.
Strategy
Best when
Main advantage
Main tradeoff
DCA
Uncertain or falling market
Reduces timing risk
May underperform in strong straight-line rallies
Lump sum
Conviction is high and capital is ready
Full exposure immediately
Higher timing risk
Hybrid
Mixed conviction
Some exposure now, some over time
More complex capital planning
Worked examples
Example 1. Buy €500 every month for 6 months as price falls from €50,000 to €40,000. Even if the first entry looks expensive later, the weighted average cost falls with each lower buy, which improves break-even and future upside.
Example 2. Compare the same €3,000 as one lump sum at the first price versus six DCA buys. If the market falls after the first buy, DCA often ends with more coins and a lower average cost.
Example 3. Run the same plan with a high-fee exchange versus a low-fee exchange. Small recurring buys can lose a meaningful amount of efficiency when fees are not controlled.
Frequently Asked Questions
What is DCA in crypto?+
DCA means buying a fixed amount of crypto on a recurring schedule instead of entering all at once. It is designed to reduce timing risk rather than maximize perfect entry timing.
How do I calculate average cost?+
Average cost is total cost basis divided by total quantity accumulated. Cost basis includes fiat spent and network costs, and the calculator adjusts the acquired quantity for trading fees as well.
Does DCA always beat lump sum?+
No. If price rises consistently after the first entry, lump sum often wins because more capital was exposed earlier. DCA tends to help more when prices are volatile or falling during the accumulation period.
How do fees affect DCA?+
Fees reduce the amount of crypto acquired on every buy. On small recurring orders, the drag can build up quickly, which is why the calculator shows fee drag as a percentage of total invested capital.
What is the break-even price?+
Break-even price is the average price at which the position value equals total cost basis. If market price is above break-even, the position is profitable before tax. If it is below, the position is underwater.
Is unrealized profit real profit?+
It is an estimate based on current market price, not locked-in cash. Until some or all of the position is sold, unrealized profit can change with every market move.
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