DCA Calculator: Dollar-Cost Averaging Simulator
"If I had bought $100 of Bitcoin every month, what would I hold today?" The simulator answers that with the prices that actually occurred — no forecasting involved.
A backtest is for information only — past performance is not an indicator of future results and is not investment advice.
Dollar-cost averaging (DCA) means putting the same amount in every month whatever the price. When the price is low you get more units, when it is high you get fewer — so your entry is not tied to a single day's decision. The simulator on this page shows what you would have put in, what it would be worth today, and what average price you would have paid, if you had invested a fixed monthly amount in Bitcoin, Ethereum, gram gold or dollars over the past 24 months.
The result is a backtest: past prices are fixed, future prices are not. A buying plan that worked over one window carries no guarantee for the next. The calculation runs on Turkish lira values and excludes exchange fees, withdrawal costs and tax.
How it works
- 1
Pick the asset
Bitcoin, Ethereum, gram gold or dollars.
- 2
Enter the monthly amount and period
Type what you would invest each month and choose how far back to look (2–24 months).
- 3
Read the result
You get total invested, today's value and average cost; in the same chat you can ask what a single lump-sum purchase at the start would have done.
Why Ryna AI
- Real prices: each month's purchase uses the price that actually occurred — no assumed average return.
- Four assets: Bitcoin, Ethereum, gram gold and dollars — compare crypto and traditional hedges with the same method.
- Average cost: see the price you would have paid on average, and test the "I bought the top" feeling against a number.
- Up to 24 months: the daily price series of the past two years is used, with today's value of your contributions on the same screen.
DCA or a lump sum?
Studies on long historical windows find that in an asset that mostly rises, a lump sum beats averaging in on average — simply because the money is in the market longer. What DCA offers is not higher returns but lower timing risk and a habit that is easier to keep. If you are holding a large sum right now, the question is not "which earns more" but "in which scenario would I abandon my plan". If you are not certain you would hold through a drawdown, DCA is the more defensible route.
Weekly or monthly — and the downside of DCA
How often you buy (weekly, fortnightly, monthly) usually makes little difference to the long-run result; where a fixed fee applies per trade, buying more often costs more. The real downside is this: in a steadily rising period you pay more each month, and waiting costs you return. The second downside is that the method does not fix asset selection — buying regularly into something in permanent decline does not slow the loss, it enlarges it.
Frequently asked questions
What is DCA?
Dollar-cost averaging means investing the same amount at regular intervals regardless of price. The goal is to spread the timing risk that comes from picking a single day to buy.
How is average cost calculated?
You divide the total amount invested by the total units acquired. The simulator does this with each month's real price: every month buys amount ÷ that month's price in units, then total spend is divided by total units.
How far back can I go?
Up to 24 months at present. The series is built from daily closing prices pulled from public exchange endpoints; a longer history would require paid data.
Which assets does it support?
Bitcoin, Ethereum, gram gold and US dollars. The calculation runs on Turkish lira, so it assumes a fixed monthly lira amount.
Are fees and tax included?
No. Exchange trading fees, withdrawal costs, spread and capital gains tax are not counted, so assume the real outcome sits somewhat below the figure shown.
Will the future look like this?
No. This is a backtest and describes only the prices that occurred in the window you chose. Past performance is not an indicator of future results, and nothing here is investment advice.