DCA Calculator

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 → 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.