tools
DCA Calculator
DCA parameters
Results
Total invested
β
Total coins
β
Avg buy price
β
Final value
β
DCA profit
β
DCA ROI
β
Lump-sum comparison
β
β
DCA vs lump sum: when does DCA win?
- DCA wins when starting price is high and price dips before recovering (U-shape)
- Lump sum wins in steady uptrends from a low entry (early bull market)
- Tie in low-volatility, slow-uptrend regimes
Historically, BTC DCA during bear markets and selling in subsequent bull markets often beat lump-sum entries. But for those who lump-summed at bull peaks, DCA is the rescue strategy (averaging down).
Simplifying assumptions
- Price path: log-linear interpolation from start β end
- Plus a sine-wave oscillation for monthly noise (your "volatility")
- Each month buys at the noisy month price
This captures the cost-averaging mechanic but is not predictive. For real backtests on historical data, see our quant strategies cluster.