Free tool
Crypto DCA / SIP Calculator
Backtest a dollar-cost-averaging (DCA) or systematic-investment-plan (SIP) schedule against real historical prices. Pick a coin, a contribution amount, an interval (daily, weekly, bi-weekly or monthly), and a start window — the calculator replays daily closes from Binance to show how many coins you would have accumulated, the blended cost basis, the current value, and how a lump sum invested on day one would have compared.
DCA and SIP are the same idea: a fixed contribution, on a fixed cadence, regardless of price. The term DCA dominates Western search; SIP dominates Indian search. The calculator below works for both — you can also model an INR-denominated SIP by using the converter on the result.
Result
No data.
How it's calculated
On each interval (e.g. every 7 days starting from your chosen date), the calculator divides your fixed contribution by that day's closing price to produce the coin quantity bought. Those quantities accumulate; the average cost basis is total dollars invested ÷ total coins held. Current value is total coins × today's live spot price. We also report what a lump-sum invested on the start date would be worth now, so you can see whether DCA outperformed in your chosen window.
Lump-sum wins on average in a long uptrend; DCA wins on average when the window contains a meaningful drawdown. Neither is universally better — the calculator gives you the actual numbers for any window you pick so you can stop arguing about it on Twitter.
Worked example
$100 of BTC every 7 days starting one year ago: about 52 buys, each at a different price. Even if Bitcoin ends the year flat, DCA leaves you with a cost basis that's roughly the year's median price — versus a lump sum that could have hit at the year's high or low. The bigger the drawdown over the period, the more DCA outperforms the lump sum.
Indian rupee example: a ₹5,000-per-week BTC SIP over a year is about ₹2.6 lakh deployed, with each buy hitting a different week's price. If BTC ended the year up 30%, your DCA stack typically beats a one-shot ₹2.6 lakh buy at the start by closing some of the gap between the year's high and low. To model this on the page, use $60 as the contribution (≈₹5,000 at 83 INR/USD), and the math is identical in shape — only the currency label changes.
Bitcoin SIP Calculator — most popular use in India
In India, recurring crypto buys are commonly framed as a SIP (systematic investment plan), borrowing the term from mutual-fund culture. A Bitcoin SIP calculator answers the question: "if I'd put ₹X every week / month into BTC for the last N years, what would I have today?" The math is identical to DCA. Pick BTC in the coin selector, set the contribution to your INR amount converted to USD (≈₹83 = $1 as of 2026 Q1), set the interval to Weekly or Monthly, and pick your backtest window. The result shows coins accumulated, average cost basis, current value, and percent ROI.
Crypto SIP Calculator vs Crypto DCA Calculator
SIP and DCA are the same investment strategy under different names. SIP is the standard term in Indian finance; DCA is the standard term in Western trading and personal finance. Some platforms also call it an "auto-buy" or "recurring buy". This crypto SIP calculator (or crypto DCA calculator, depending on which keyword brought you here) handles all variants. It supports 30+ coins beyond Bitcoin — set the picker to ETH, SOL, BNB, ADA, MATIC, AVAX or any of the other listed coins to backtest an altcoin SIP.
DCA Calculator: comparing schedules
Two common what-ifs: (a) does buying weekly beat buying monthly for the same total contribution? (b) does a larger contribution at a longer interval beat a smaller contribution at a shorter interval? Run the calculator twice with different interval / amount combinations and compare the ROI columns. For BTC over typical windows the results converge — frequency matters less than total deployed capital. For volatile altcoins, smaller and more frequent buys (daily / bi-weekly) usually beat larger and less frequent ones, because they sample the volatility more evenly.
FAQ
What is DCA (dollar-cost averaging)?
DCA means investing a fixed amount on a regular schedule — say $100 every week — regardless of price. It smooths out volatility because you buy more coins when prices are low and fewer when they're high.
What is a SIP in crypto?
SIP (systematic investment plan) is the same idea as DCA: recurring, automated buys of a set amount at a set interval. The terms are used interchangeably in crypto.
How does this DCA calculator work?
Pick a coin, a contribution amount, an interval (daily, weekly, monthly) and a start date. The calculator replays historical prices to show how many coins you'd have accumulated and what they're worth today.
Is DCA better than investing a lump sum?
Lump-sum investing wins on average when prices trend up, but DCA reduces timing risk and is easier to stick to. The calculator lets you compare both so you can see the difference for your chosen coin and period.
Can Meetcrypt track a real DCA plan?
Yes. Connect your exchange and Meetcrypt tracks your actual recurring buys, average cost and live profit automatically.
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Meetcrypt connects to Binance and Bitget with read-only API keys and recomputes profit, ROI, funding, drawdown, and liquidation risk across every account — fee-adjusted, in real time. No spreadsheets, no manual entry.