DCA Average Cost Calculator
Buy the same amount every month — how much does a falling price drag your average cost down, and how does that compare with buying once at the end?
Plan summary
Total spent
$0.00Total accumulated
—Average costTotal spent ÷ total coins, fees included
—First-period price
—Last-period price
—Compared with buying once
Buying once would giveSame money spent in one go at the last-period price
—Averaging advantageExtra coins the recurring plan buys versus one lump sum
—Averaging advantage
—End-of-period P&L
Position value at the end
$0.00Net P&L
$0.00Return
—Total fees
$0.00Averaging down lowers your cost basis, it does not remove the loss — this quantifies the averaging effect, not a forecast.
How it's calculated
How the price path is assumed
- Price in period i = first price × (1 + per-period change)^i
- The same amount is invested every period
- Coins bought in a period = (amount ÷ price) × (1 − fee rate)
- A constant per-period change is a simplification — real prices are not predictable
How average cost and P&L are computed
- Average cost = total spent (fees included) ÷ total coins
- Averaging advantage = DCA coins − lump-sum coins
- Position value at the end = total coins × last-period price
- Return = (position value − total spent) ÷ total spent
Averaging down lowers your cost basis, it does not remove the loss. This tool quantifies the averaging effect — it is not a return forecast.