📆 Crypto DCA Simulator

Replay dollar-cost averaging on real Binance daily prices: invested, average cost, value, return, max drawdown, IRR and DCA vs lump sum for any coin.

Loading Data: Binance public API (daily candles) · KRW conversion: Bithumb (Upbit) USDT/KRW

DCA settings

Amount per buy

Frequency

Each buy fills at that day's open (00:00 UTC)

Start date

End date

Fee (%)

DCA result

Total invested–

Value now–

Return–

Coins held–

Average cost–

Purchases–

Max drawdown–

Worst return–

Annualized (IRR)–

–

Value vs invested

In USDT · daily

Price and your cost

DCA vs lump sum

Item	DCA	Lump sum

Purchase highlights

Which	Date	Buy price	Return now

By year

What each year's buys are worth now

Year	Buys	Invested	Avg price	Value now	Return

Had you started earlier

Same amount and frequency, until today

Start	Buys	Invested	Value	DCA return	Lump-sum return

Tap a start date to apply it above.

For information only, not investment advice. Data comes from exchanges' public APIs and may be delayed or interrupted. Charts: TradingView Lightweight Charts™

What this tool does

See what dollar-cost averaging, buying the same amount of a coin every week or month, would actually have returned, using real Binance daily prices. Enter a coin, amount, frequency and period to get the total invested, coins accumulated, average cost, current value and return, and maximum drawdown, compared with putting the same money in all at once (lump sum). The 'What if I bought' mode shows what a single purchase on any date would be worth today.

How it is calculated

The full Binance coin/USDT daily history is used (Bitcoin from 2017-08-17). Daily candles start at 00:00 UTC, and each buy fills at the open of its scheduled day. Coins bought = amount × (1 − fee) ÷ open, with a default fee of 0.1%. Weekly buys happen on the chosen weekday, monthly buys on the chosen day, and a day that does not exist in a month (such as the 31st) becomes the last day of that month. If there was no trading on a scheduled day, the buy fills at the open of the next trading day before the following scheduled date, or is skipped. Average cost = total invested ÷ coins held; value = coins held × current price (the latest price of today's in-progress candle); return = value ÷ total invested − 1, with no selling fee deducted. Max drawdown is the largest fall of the portfolio value (including contributions made in between) from its previous peak after the first buy; worst return is the lowest value relative to the money put in so far. Annualized return (IRR) is the internal rate of return solved from each buy's date and amount and today's value, shown only when the first buy is at least a year old. The lump sum invests the same total at the start date's open with the same fee rate, and its annualized return is CAGR = (value ÷ invested)^(1 ÷ years) − 1. KRW figures use today's USDT/KRW rate, and the current price is refreshed about once a minute.

Pick a coin and, in DCA mode, enter the amount per buy in USDT or KRW. KRW amounts are converted to USDT at today's rate.

Choose the frequency (daily, a weekday, or a day of the month) and the start and end dates. The '1Y ago' and 'Since listing' buttons change the period quickly; leave the end date empty to keep buying until today.

Read the figures and chart: value against money invested, where price sits relative to your average cost line, and the gap to a lump sum. The tables below break it down by year and by start date.

Switch to 'What if I bought' to see what one purchase on a date is worth now, plus a table for buying 1 month, 6 months and 1, 2, 3 and 5 years ago and on the listing day.

Things to know

DCA does not always beat a lump sum. In a steady uptrend buying everything at the start usually comes out ahead, while in a deep fall followed by a recovery spreading the buys often does better. The start-date table shows how this changes from period to period.

When the average cost line is below the price you are in profit; above it, at a loss. Switching the price chart to a log scale makes long-term moves easier to compare in percentage terms.

Max drawdown and worst return show the declines you would have had to sit through while buying. Look at them alongside the final return.

The address bar link stores the coin, amount, frequency and period, so sharing it opens the same calculation.

Frequently asked questions

Which price is each buy made at?

The open of that day's daily candle, the first trade after 00:00 UTC. Weekly buys on Monday are therefore made at Monday 00:00 UTC. A real order can differ slightly depending on timing and the order book.

What happens if I pick a date before the coin was listed?

Data starts on the day the coin's USDT pair began trading on Binance; for Bitcoin that is 2017-08-17. An earlier date is moved to the listing day and the page says so. A coin's launch date and its Binance listing date can differ. If the daily candles stop for more than 7 days, or the price on either side of a gap differs tenfold or more (a symbol reused after delisting or a redenomination, such as LUNA), the restart day is treated as the listing and only later data is used.

Does a KRW amount use historical exchange rates?

No. Everything is calculated in USDT, and KRW figures are converted at today's USDT/KRW rate from Bithumb (or Upbit as a fallback) for reference. Past changes in the won-dollar rate and the kimchi premium are not reflected.

How is the annualized return (IRR) different from the plain return?

The plain return compares today's value with all the money put in. With DCA the money goes in gradually, so later contributions are invested for a shorter time. IRR accounts for the date and amount of every buy and expresses the result per year, so it can be compared fairly with the lump sum's annualized return (CAGR). Periods under a year are not shown because annualizing them exaggerates the figure.

How often does it update?

The full daily history is downloaded once per coin (about 3,300 candles and 4 requests for Bitcoin). After that the two most recent daily candles are fetched about once a minute to update the current price and value. Updates pause while the tab is hidden and resume as soon as you return.

For information only, not investment advice. Data comes from exchanges' public APIs and may be delayed or interrupted.