Testing a plan
See what a set amount every week could become.
Bitcoin SIP calculator: see what regular buying could look like
Test a dollar-cost averaging plan: a starting amount and regular purchases, daily, weekly or monthly, with a price growth scenario of your choice. See what you invest, how much BTC you would hold and what it could be worth.
A scenario, not a forecast. Nobody can predict the price of Bitcoin.
Features
What it works out
- Lump sum or regular buying
- Start with a lump sum, then add purchases daily, weekly or monthly.
- Three growth scenarios
- A fixed yearly growth rate, a price target for the end, or your own return for each year.
- BTC held
- See how much Bitcoin your plan would buy.
- Fees and tax
- Add an exchange fee and a capital gains tax rate to see the value after tax.
- Charts and a table
- See the growth over time and the year-by-year table.
- Private
- Your numbers stay in your browser.
- Other price paths
- The same buying with the price growth 30 points lower and higher, next to your own case.
How it works
How to use it
Set your buying
A starting amount, the amount per purchase and how often.
Enter the price and years
Today's Bitcoin price and how long you will invest.
Choose a scenario
A growth rate, a target price or yearly returns.
Read the results
Invested, BTC held, projected value and after tax.
Uses
When it helps
Comparing frequencies
Compare daily, weekly and monthly buying.
Setting a target
See how long it takes to hold a whole coin.
Understanding fees and tax
See what they take from the result.
How to use the Bitcoin SIP calculator
- Choose whether you are investing a lump sum or buying on a schedule, and enter your starting capital, the amount per purchase and how often you buy: daily, weekly or monthly.
- Enter today's Bitcoin price and how many years you plan to invest.
- Pick how the price is projected: a fixed yearly growth rate (CAGR), a price target you expect by the end, or your own return for each year.
- Optionally add your exchange fee and your capital gains tax rate.
- Read the results: total invested, projected value, the amount of BTC you would hold, and the value after tax.
What a Bitcoin SIP (or DCA) means
A systematic investment plan, called dollar-cost averaging (DCA) in crypto, means buying a fixed amount at regular intervals rather than all at once. When the price is low your amount buys more BTC, and when it is high it buys less. It reduces the risk of putting everything in just before a drop, but it does not guarantee a profit or a better result than a lump sum. In a steadily rising market, buying early usually wins.
What this calculator assumes
- Growth is smooth. Real Bitcoin prices swing widely, so an actual DCA outcome will look different from a straight projection, even if the average growth rate is right.
- The exchange fee is taken out of every purchase, so a higher fee or more frequent buying reduces the BTC you end up with.
- Tax is applied once, at the end, as a single rate on the profit (final value minus what you invested). Real tax rules depend on your country and on when you sell.
- Any growth rate you enter, including the default, is a scenario you are testing, not a forecast. Nobody can predict Bitcoin's price.
The historical yearly returns table lower on the page shows how uneven past years were, from large gains to falls of more than 60%. Use it to test both good and bad scenarios. This page is for planning and learning, not financial advice; see also the compound interest and SIP calculator for a conventional investment.
Frequently Asked Questions (FAQ)
A Systematic Investment Plan (SIP) or Dollar Cost Averaging (DCA) is a highly effective strategy where you invest a fixed dollar amount into Bitcoin at regular intervals (e.g., $100 every week), regardless of the current market price. This removes the stress of timing the market and historically lowers your average purchase price over a multi-year cycle.
Our advanced Bitcoin SIP Calculator uses logarithmic growth modeling. You can select either a fixed Compound Annual Growth Rate (CAGR) based on historical performance or a Custom Price Target. The calculator factors in your initial capital, recurring investments, and importantly, exchange fees, to project your net BTC accumulation and total dollar value.
Bitcoin is a highly volatile asset. By increasing the frequency of your investments (e.g., buying daily instead of monthly), you capture more of the micro-dips in price. Daily DCA creates the smoothest possible average entry price and prevents you from accidentally buying a local top with a large monthly chunk.
Yes. Our Bitcoin DCA calculator includes a Capital Gains Tax field. By inputting your local tax rate, the tool calculates your estimated tax liability exclusively on your total profit (subtracting your total invested capital), providing an accurate Net Portfolio Value post-tax.
Reaching 1 full Bitcoin (1.0 BTC) depends entirely on your fiat investment velocity and Bitcoin's price appreciation. Our calculator includes a unique '1.0 BTC Milestone' tracker that reverse-engineers your DCA schedule to tell you exactly which year you will cross the threshold.