Compare dollar cost averaging vs lump sum investment across any time period with real historical data
Dollar cost averaging is an investment strategy where you invest a fixed amount of money at regular intervals, regardless of the asset's price. Instead of trying to time the market with a lump sum investment, DCA spreads your purchases over time, potentially reducing the impact of volatility.
The answer depends on market conditions. In a consistently rising market, lump sum may benefit from earlier exposure. In volatile or declining markets, DCA can lower the average purchase price. This calculator uses historical price data to estimate both paths for Bitcoin, Ethereum, and Solana; it does not include every real-world fee, spread or tax.
This tool fetches real historical price data to simulate your exact investment performance. The equity curve chart shows how your portfolio value would have grown over time with each strategy, making it easy to visualize which approach worked better for your specific timeframe.