DCA history · XRP
XRP DCA since 2021: $100 monthly
Investing $100 every month into XRP since 1 January 2021 (70 buys, $7,000 in total) would be worth $13,444 today (+92.05%).
Backtest 1 January 2021 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$13,444
+92.05% · +22.48%/yr
- Invested
- $7,000.00
- Buys
- 70
- Average cost
- $0.6888
Lump sum, day one
Winner$39,000
+457.14%
- Invested
- $7,000.00
- Bought at
- $0.2374
- Max drawdown
- 83.25%
Perfect timing (hindsight)
$41,778
+496.83%
- Bought on
- 2 Jan 2021
- At a price of
- $0.2217
- 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 28.5% of days, with the longest unbroken stretch lasting 337 days (to 28 Mar 2023). The worst moment was 18 Jun 2022, when it was down 51.3% on what had been invested. It has been in profit continuously since 6 Nov 2024. The average cost per unit was $0.6888 against a price today of $1.32 (+91.63%). The cheapest buy was $0.2374 on 1 Jan 2021 and the priciest $2.96 on 1 Aug 2025.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2021 | $1,200 | $1,583 | +31.90% |
| 31 Dec 2022 | $2,400 | $1,497 | -37.61% |
| 31 Dec 2023 | $3,600 | $4,231 | +17.52% |
| 31 Dec 2024 | $4,800 | $18,550 | +286.46% |
| 31 Dec 2025 | $6,000 | $17,329 | +188.82% |
| 22 Oct 2026 | $7,000 | $13,444 | +92.05% |
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Try a different start
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 2021 be worth today?
- Investing $100 every month into XRP since 1 January 2021 (70 buys, $7,000 in total) would be worth $13,444 today (+92.05%).
- Was DCA better than a lump sum for XRP since 2021?
- Investing the same $7,000 in one go on 1 January 2021 would be worth $39,000 today (+457.14%), 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 2021?
- The plan was worth less than the money invested on 28.5% of days, with the longest stretch lasting 337 days (ending 28 Mar 2023).