DCA history · Bitcoin
Bitcoin DCA since 2020: $100 monthly
Investing $100 every month into Bitcoin since 1 January 2020 (83 buys, $8,300 in total) would be worth $22,398 today (+169.86%).
Backtest 1 January 2020 to 1 November 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$22,398
+169.86% · +28.87%/yr
- Invested
- $8,300.00
- Buys
- 83
- Average cost
- $28,878.83
Lump sum, day one
Winner$89,657
+980.20%
- Invested
- $8,300.00
- Bought at
- $7,214.60
- Max drawdown
- 76.66%
Perfect timing (hindsight)
$131,712
+1486.89%
- Bought on
- 16 Mar 2020
- At a price of
- $4,911.00
- Not a plan you could follow
How it would have felt
Over this period the plan was worth less than the money you’d put in on 4.6% of days, with the longest unbroken stretch lasting 64 days (to 11 Jan 2023). The worst moment was 16 Mar 2020, when it was down 40.5% on what had been invested. It has been in profit continuously since 12 Jan 2023. The average cost per unit was $28,878.83 against a price today of $77,932.30 (+169.86%). The cheapest buy was $6,351.80 on 1 Apr 2020 and the priciest $118,400.00 on 1 Oct 2025.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2020 | $1,200 | $3,539 | +194.95% |
| 31 Dec 2021 | $2,400 | $6,985 | +191.05% |
| 31 Dec 2022 | $3,600 | $3,235 | -10.15% |
| 31 Dec 2023 | $4,800 | $10,157 | +111.60% |
| 31 Dec 2024 | $6,000 | $24,279 | +304.64% |
| 31 Dec 2025 | $7,200 | $23,836 | +231.05% |
| 1 Nov 2026 | $8,300 | $22,398 | +169.86% |
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Monthly $100 into Bitcoin, by start year:
Does the start year really matter? Best and worst time to start DCA or DCA vs lump sum, tested on every start month.
Frequently asked questions
- How much would $100 every month in Bitcoin since 2020 be worth today?
- Investing $100 every month into Bitcoin since 1 January 2020 (83 buys, $8,300 in total) would be worth $22,398 today (+169.86%).
- Was DCA better than a lump sum for Bitcoin since 2020?
- Investing the same $8,300 in one go on 1 January 2020 would be worth $89,657 today (+980.20%), so putting it all in on day one came out ahead over this particular period. Which wins depends heavily on the start date.
- How long was Bitcoin DCA underwater since 2020?
- The plan was worth less than the money invested on 4.6% of days, with the longest stretch lasting 64 days (ending 11 Jan 2023).