DCA history · XRP
XRP DCA since 2020: $100 monthly
Investing $100 every month into XRP since 1 January 2020 (82 buys, $8,200 in total) would be worth $20,218 today (+146.56%).
Backtest 1 January 2020 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$20,218
+146.56% · +26.20%/yr
- Invested
- $8,200.00
- Buys
- 82
- Average cost
- $0.5365
Lump sum, day one
Winner$56,303
+586.63%
- Invested
- $8,200.00
- Bought at
- $0.1927
- Max drawdown
- 83.25%
Perfect timing (hindsight)
$77,687
+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 10.9% of days, with the longest unbroken stretch lasting 51 days (to 27 Apr 2020). The worst moment was 12 Mar 2020, when it was down 36.2% on what had been invested. It has been in profit continuously since 21 Mar 2023. The average cost per unit was $0.5365 against a price today of $1.32 (+146.02%). 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 2020 | $1,200 | $1,126 | -6.18% |
| 31 Dec 2021 | $2,400 | $5,839 | +143.29% |
| 31 Dec 2022 | $3,600 | $3,238 | -10.05% |
| 31 Dec 2023 | $4,800 | $7,380 | +53.74% |
| 31 Dec 2024 | $6,000 | $29,202 | +386.70% |
| 31 Dec 2025 | $7,200 | $26,751 | +271.54% |
| 22 Oct 2026 | $8,200 | $20,218 | +146.56% |
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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 2020 be worth today?
- Investing $100 every month into XRP since 1 January 2020 (82 buys, $8,200 in total) would be worth $20,218 today (+146.56%).
- Was DCA better than a lump sum for XRP since 2020?
- Investing the same $8,200 in one go on 1 January 2020 would be worth $56,303 today (+586.63%), 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 XRP DCA underwater since 2020?
- The plan was worth less than the money invested on 10.9% of days, with the longest stretch lasting 51 days (ending 27 Apr 2020).