DCA history · XRP
XRP DCA since 2025: $100 monthly
Investing $100 every month into XRP since 1 January 2025 (22 buys, $2,200 in total) would be worth $1,646 today (-25.17%).
Backtest 1 January 2025 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
Winner$1,646
-25.17% · -27.88%/yr
- Invested
- $2,200.00
- Buys
- 22
- Average cost
- $1.77
Lump sum, day one
$1,253
-43.04%
- Invested
- $2,200.00
- Bought at
- $2.32
- Max drawdown
- 72.1%
Perfect timing (hindsight)
$2,934
+33.36%
- Bought on
- 16 Aug 2026
- At a price of
- $0.9920
- 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 73% of days, with the longest unbroken stretch lasting 290 days (to 22 Oct 2026). The worst moment was 30 Jun 2026, when it was down 47.3% on what had been invested. The average cost per unit was $1.77 against a price today of $1.32 (-25.42%). The cheapest buy was $1.05 on 1 Jul 2026 and the priciest $2.96 on 1 Aug 2025.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2025 | $1,200 | $921 | -23.28% |
| 22 Oct 2026 | $2,200 | $1,646 | -25.17% |
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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 2025 be worth today?
- Investing $100 every month into XRP since 1 January 2025 (22 buys, $2,200 in total) would be worth $1,646 today (-25.17%).
- Was DCA better than a lump sum for XRP since 2025?
- Investing the same $2,200 in one go on 1 January 2025 would be worth $1,253 today (-43.04%), 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 2025?
- The plan was worth less than the money invested on 73% of days, with the longest stretch lasting 290 days (ending 22 Oct 2026).