DCA history · XRP
XRP DCA since 2018: $100 monthly
Investing $100 every month into XRP since 1 January 2018 (106 buys, $10,600 in total) would be worth $28,230 today (+166.32%).
Backtest 1 January 2018 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
Winner$28,230
+166.32% · +21.40%/yr
- Invested
- $10,600.00
- Buys
- 106
- Average cost
- $0.4967
Lump sum, day one
$5,865
-44.67%
- Invested
- $10,600.00
- Bought at
- $2.39
- Max drawdown
- 95.87%
Perfect timing (hindsight)
$100,424
+847.40%
- Bought on
- 12 Mar 2020
- At a price of
- $0.1396
- 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 38.6% of days, with the longest unbroken stretch lasting 512 days (to 19 Nov 2020). The worst moment was 12 Mar 2020, when it was down 61.6% on what had been invested. It has been in profit continuously since 21 Mar 2023. The average cost per unit was $0.4967 against a price today of $1.32 (+165.73%). The cheapest buy was $0.1753 on 1 Apr 2020 and the priciest $2.96 on 1 Aug 2025.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2018 | $1,200 | $751 | -37.44% |
| 31 Dec 2019 | $2,400 | $1,168 | -51.32% |
| 31 Dec 2020 | $3,600 | $2,457 | -31.74% |
| 31 Dec 2021 | $4,800 | $10,873 | +126.51% |
| 31 Dec 2022 | $6,000 | $5,297 | -11.72% |
| 31 Dec 2023 | $7,200 | $11,104 | +54.22% |
| 31 Dec 2024 | $8,400 | $41,800 | +397.62% |
| 31 Dec 2025 | $9,600 | $37,894 | +294.73% |
| 22 Oct 2026 | $10,600 | $28,230 | +166.32% |
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Monthly $100 into XRP, 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 XRP since 2018 be worth today?
- Investing $100 every month into XRP since 1 January 2018 (106 buys, $10,600 in total) would be worth $28,230 today (+166.32%).
- Was DCA better than a lump sum for XRP since 2018?
- Investing the same $10,600 in one go on 1 January 2018 would be worth $5,865 today (-44.67%), so spreading the buys out came out ahead over this particular period. Which wins depends heavily on the start date.
- How long was XRP DCA underwater since 2018?
- The plan was worth less than the money invested on 38.6% of days, with the longest stretch lasting 512 days (ending 19 Nov 2020).