DCA calculator
XRP DCA calculator
Backtest a recurring XRP buy against real historical prices.
XRP was created by Ripple Labs to settle cross-border payments quickly and cheaply, and unlike Bitcoin or Ethereum, almost all of its supply already exists, with a large share held in escrow and released on a schedule.
Its price history includes a multi-year stretch where a US SEC lawsuit over whether XRP itself was a security weighed on the price, followed by a sharp re-rating once that overhang cleared.
Dollar cost averaging
$35,724.57
$24,099.57 · +207.31%- Invested
- $11,625.00
- Annualised (XIRR)
- +24.33%
- Avg cost / unit
- $0.4800
- Units held
- 23,976.2
- Max drawdown
- -80.85%
Lump sum on day one
$78,732.95
$67,107.95 · +577.27%- Invested
- $11,625.00
- Annualised (XIRR)
- +23.97%
- Avg cost / unit
- $0.2200
- Units held
- 52,840.9
- Max drawdown
- -95.86%
Perfect timing
HindsightYour whole $11,625.00 put in on the single cheapest day of the period.
$123,723.21
+$87,998.64 vs your DCA- Bought everything on
- 2020-03-12
- At a price of
- $0.1400
- Return
- +964.29%
Nobody can pick the exact bottom — this is the best case, not a plan you could follow.
Value over time · 363 daily points
| Date | Invested | Units | Value | P/L |
|---|---|---|---|---|
| 2017-11-09 | $25.00 | 113.636 | $25.00 | $0.00 |
| 2018-04-02 | $525.00 | 947.893 | $473.95 | -$51.05 |
| 2018-08-24 | $1,050.00 | 1,970.12 | $650.14 | -$399.86 |
| 2019-01-15 | $1,550.00 | 3,269.66 | $1,078.99 | -$471.01 |
| 2019-06-08 | $2,075.00 | 4,874.84 | $1,998.68 | -$76.32 |
| 2019-10-30 | $2,575.00 | 6,547.62 | $1,964.29 | -$610.71 |
| 2020-03-22 | $3,100.00 | 8,887.72 | $1,333.16 | -$1,766.84 |
| 2020-08-13 | $3,625.00 | 11,473.7 | $3,442.12 | -$182.88 |
| 2021-01-04 | $4,125.00 | 13,217.8 | $3,172.26 | -$952.74 |
| 2021-05-28 | $4,650.00 | 14,183.6 | $12,765.26 | $8,115.26 |
| 2021-10-19 | $5,150.00 | 14,765.1 | $16,093.95 | $10,943.95 |
| 2022-03-12 | $5,675.00 | 15,388.6 | $12,156.99 | $6,481.99 |
| 2022-08-03 | $6,175.00 | 16,487.3 | $6,100.30 | -$74.70 |
| 2022-12-25 | $6,700.00 | 17,808.7 | $6,233.04 | -$466.96 |
| 2023-05-18 | $7,225.00 | 19,080.1 | $8,776.86 | $1,551.86 |
| 2023-10-09 | $7,725.00 | 20,011.6 | $10,005.79 | $2,280.79 |
| 2024-03-01 | $8,250.00 | 20,926.4 | $12,555.84 | $4,305.84 |
| 2024-07-23 | $8,750.00 | 21,864.7 | $13,118.83 | $4,368.83 |
| 2024-12-14 | $9,275.00 | 22,668.4 | $54,404.27 | $45,129.27 |
| 2025-05-07 | $9,775.00 | 22,878.7 | $48,731.61 | $38,956.61 |
| 2025-09-28 | $10,300.00 | 23,079.6 | $66,238.34 | $55,938.34 |
| 2026-02-19 | $10,825.00 | 23,346.4 | $32,918.37 | $22,093.37 |
| 2026-07-13 | $11,325.00 | 23,733.4 | $25,394.76 | $14,069.76 |
| 2026-10-03 | $11,625.00 | 23,976.2 | $35,724.57 | $24,099.57 |
Why DCA into XRP?
That regulatory episode makes XRP a good example of how a single external event — not just organic market moves — can dominate an asset's price for years. A lump sum bought right before or during that overhang would have shown a very different result than a steady recurring buy through it.
Frequently asked questions
- What is dollar-cost averaging into XRP?
- Dollar-cost averaging (DCA) means investing a fixed amount into XRP on a regular schedule — weekly, biweekly, monthly — regardless of the price that day, rather than trying to time a single entry point. Some buys land at a local high, some at a local low, and the average cost per unit smooths out over the whole period.
- How far back does the XRP price history go?
- Back to 2017-11-09 — pick "Max" to include its full history in the backtest.
- Does this include exchange fees?
- By default no — it's a 0% baseline so you can see the raw price effect first. Use the Exchange fee dropdown to add a percentage (a few common presets, or your own) and/or a flat fee per buy under Advanced options, and the DCA total updates to include them.