# DCA calculator for crypto (dollar-cost averaging)

Canonical: https://aibio.store/tools/dca-calculator/
Updated: 2026-09-27
Publisher: AiBio.Store (https://aibio.store/)

> Enter how much you buy each time, how many times, and the price path. The calculator shows your average cost and compares it with one single buy.

## What dollar-cost averaging means

Dollar-cost averaging (DCA) means buying the same dollar amount of a coin on a fixed schedule, for example $25 every week, whatever the price. When the price is low your $25 buys more coins, and when it is high it buys fewer. Over time your **average cost per coin** sits between the highs and lows.

DCA does not guarantee a profit. It removes the stress of choosing the "right day" and spreads your risk over time.

## How the calculator works

- **Price for each buy**: a straight line from the first price to the last price.
- **Coins per buy** = amount × (1 − fee) ÷ price that day.
- **Average cost** = total invested ÷ total coins.
- **Value** = total coins × the price when you sell.
- **Lump-sum comparison**: the same total money spent in one buy at the first price.

Everything is calculated in your browser. Nothing is sent or stored.

## When DCA helps and when it does not

- If the price **falls then recovers**, DCA usually beats a single early buy, because you picked up cheaper coins on the way down.
- If the price **only rises**, one early buy usually wins, because every later buy costs more.
- If the price **only falls**, both lose. DCA just loses more slowly.

Try all three paths by changing the first and last price.

## Tips

- Use the fee your exchange really charges on small recurring buys. It is often higher than the trading fee.
- Pick an amount you can keep buying for months without selling in a panic.
- Keep coins you plan to hold in your own wallet. See the [Crypto Starter Kit](/a/crypto-starter-kit) for a step-by-step setup.

## FAQ

### Is DCA better than buying all at once?

Not always. In a rising market a single early buy often ends higher. DCA is better at reducing the risk of buying everything at a bad moment.

### How often should I buy?

Weekly and monthly are the most common. More frequent buys smooth the average a little more but can cost more in fees.

### Does this predict future prices?

No. You choose the price path. Real prices move up and down, so treat the result as an illustration.

### Can I use it for Bitcoin, Litecoin or USDT pairs?

Yes. The math is the same for any coin. Enter prices in the same currency you buy with.