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DCA calculator Position size Compound interest DCA backtest

DCA Backtest Simulator

See what consistent dollar-cost averaging would have returned across Bitcoin, Ethereum, S&P 500, and Nasdaq — using real historical annual return data. No sign-up, no data collected.

Asset
Frequency
Amount per contribution $200
$
Starting lump sum $0
$
Time period 10 years
Return assumption
Total invested
$0
0 contributions
Final value
$0
+$0 gain
Total return
0%
0% annualized
Portfolio growth over time
Portfolio value
Amount invested
Asset Avg annual return Total invested Final value Total return

This shows what could have happened. DCA Pro tracks what is happening — your real avg cost, live P&L, and weekly AI signals.

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Returns use historical annual averages: BTC ~60% (2015–2024), ETH ~80% (2016–2024), S&P 500 ~10% (1990–2024), Nasdaq ~13% (1990–2024). Returns are compounded annually and applied uniformly across the period — actual returns vary significantly year to year. This calculator uses simplified modeling and is for educational purposes only. Past performance does not guarantee future results. Not financial advice.

How the DCA backtest simulator works

This simulator shows what would have happened if you had DCA'd a fixed monthly amount into Bitcoin, Ethereum, S&P 500, or Nasdaq over historical periods. Unlike a forward projection that uses assumed return rates, a backtest uses actual historical price data — giving you a concrete sense of what DCA returns have looked like across real market cycles including crashes, recoveries, and bull runs.

The side-by-side comparison lets you see how the same DCA strategy performs across very different asset classes. Bitcoin's historical DCA returns have been dramatically higher than the S&P 500 but with far greater volatility. The backtest makes that comparison concrete with real numbers.

How to use this simulator

For strategy context, read our guides on Bitcoin DCA strategy and using the Fear & Greed Index to optimize DCA timing.