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

📆 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.

DCA settings

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

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

ItemDCALump sum

Purchase highlights

WhichDateBuy priceReturn now

By year

What each year's buys are worth now
YearBuysInvestedAvg priceValue nowReturn

Had you started earlier

Same amount and frequency, until today
StartBuysInvestedValueDCA returnLump-sum return

Tap a start date to apply it above.

Unfamiliar term? → Crypto & Stock Glossary

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.

Reading the screen, section by section

Coin picker and mode at the top

The top bar picks the coin and the mode (DCA or What if I bought), and on the right shows the coin's current price in USDT and its KRW equivalent. The coin list is the top 100 Binance USDT markets by 24-hour trading value, excluding markets that have not traded for over an hour. When you switch coins, the full daily history since listing is loaded once (four requests for Bitcoin); after that only the latest two daily candles are re-fetched about every 65 seconds to update the price and value. 'Current price' is the last price of today's still-forming daily candle, so it keeps changing until the candle closes at 00:00 UTC (09:00 KST). This is a calculator built on past daily candles, not a live trade board, so numbers changing roughly once a minute is expected.

  • KRW conversion uses today's USDT/KRW price from Bithumb (Upbit if that fails).
  • The address stores coin, mode, amount and period, so a link reopens the same calculation.

DCA settings

Enter the amount per buy (USDT or KRW), frequency (daily, a weekday, or a day of the month), start and end dates, and the fee (default 0.1%, 0–5%). KRW amounts are converted to USDT at today's rate, and switching units converts the amount too (KRW rounded to 100). Each buy is assumed to fill at the scheduled day's daily open, 00:00 UTC; a day that does not exist in a month, such as the 31st, falls on the last day. The 1/2/3/5-year and since-listing buttons set the start date and clear the end date. A blank end date buys until today; a past end date stops buying then while still valuing at today's price. The note under the settings appears when a pre-listing date was moved to the listing date, when a relisting cut off earlier data, when buys were skipped for days with no trading, or when the latest data is more than 3 days old.

  • An amount of zero or less, or an end date before the start, shows a message instead of results.

Result figures and summary

The nine boxes are total invested, value now, return and profit, coins held, average cost, number of buys (first and last dates), max drawdown with its peak and trough dates, worst return and its date, and annualized return (IRR). Average cost = total invested ÷ coins held, so it includes fees, and beneath it you see how far the current price is above or below it. Value = coins held × current price, with no selling fee deducted. If the end date is in the past, the value box also shows the value at that day's close. IRR appears only when the first buy is at least a year old. The paragraph below restates the numbers and gives the return gap, in percentage points, against buying the same total at the start date's open. Do not stop at the final return; read the max drawdown and worst return to see the declines you would have sat through.

  • Because the current price comes from today's forming candle, value and return drift until 00:00 UTC.

Value/invested chart and price/cost chart

The top chart plots, per daily candle, DCA value (area), cumulative invested (step line) and the value of buying the same total at the start (dashed). The lower chart shows the coin price and your average cost (dashed steps), with a dot on each buy day only when there are 60 buys or fewer. Both charts share the time axis; hovering puts that day's price, value, invested amount with the ratio, and lump-sum value in the line above. Dates are Binance daily-candle dates (starting 00:00 UTC). Stretches where the value area dips below the invested steps are periods of paper loss, and they line up with the price sitting below your cost line. For long periods, switching to the log scale makes early small moves comparable as percentages. The rightmost point is today's candle, which has not closed yet.

  • The log scale applies only to the lower price chart.

DCA vs lump sum table and purchase highlights

The left table compares spreading the same total over time with buying it all at the start date's open: method, average cost, coins held, value, profit, return, annualized return (IRR for DCA, CAGR for lump sum) and max drawdown, with a tag by the title showing which leads and by how many percentage points. Fees are deducted at the same rate for both. The right table lists the cheapest buy, the most expensive buy, the first and the last buy with date, price and that buy's current return (fees included), and the bar underneath shows how many buys are in profit now. A lump sum coming out ahead does not make DCA a bad method; which one leads depends on the start date and the price path that followed, so read it together with the start-date table below.

  • Average cost for both is invested ÷ coins, i.e. including fees.

By-year breakdown and start-date comparison

The by-year table groups buys by UTC calendar year and shows the number of buys, amount invested, average buy price, and the current value and return of the coins bought that year. Use it to see how much expensive years and cheap years each contribute to the overall return. The start-date table keeps your current amount, frequency and fee and only moves the start to 6 months, 1, 2, 3, 4 or 5 years ago, or the listing date, buying until today; it lists buys, invested, value, DCA return and lump-sum return side by side. Starts earlier than the listing date are left out. Tapping a start date applies it to the settings and scrolls back up. The point is not any single row but how the order of the two methods changes across start dates.

  • The start-date table always runs to today, regardless of the end date setting.

What if I bought

Switch the mode to What if I bought, enter a buy date, amount and fee, and see the result of a single purchase at that day's daily open. The boxes show buy price, current price (today's candle in progress), price multiple = current price ÷ buy price, value now, return and profit, coins held, annualized return (CAGR, only after a year or more), and max drawdown since the buy with its peak and trough dates. A pre-listing date uses the listing date, and a day with no trading uses the next trading day's open. The table below shows the same amount bought 1 month, 6 months, 1, 2, 3 and 5 years ago and at listing, marking pre-listing rows as such; tap a date to use it above. The chart draws value and invested amount, and price with the buy-price line, from the buy date. A big multiple was only achievable if you held through the drawdown in between.

  • The fee value is shared with the DCA settings.

How to use it

Pick a coin, enter an amount and frequency you could actually keep up in DCA mode, and set the period with a button such as 3 years. In the results, read max drawdown and worst return alongside the return, and check on the chart how long the value stayed below the amount invested. Next, use the lump-sum comparison and the start-date table to see how much the outcome depends on a single start date. It also helps to switch between daily, weekly and monthly, and to set the fee to your exchange's real rate. Finally, compare with a single purchase on a chosen date in What if I bought. This tool calculates from past daily candles, so there is no need to keep it open; the current price is refreshed about every 65 seconds. Good companions are a strategy backtester, a return or compound-interest calculator and a coin price chart.

  • To compare the same settings on another coin, copy the address and change only the coin.
  • KRW amounts are reference values at today's rate, not historical rates.

Things to know

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.

📚 Worth reading
🪙Cryptocurrency, starting from the structure→ 🧺Dollar-Cost Averaging (DCA): How It Works and Its Limits→ 📐Log vs Linear Charts: Why Long-Term Charts Use a Log Scale→ 🧪How to Read Backtest Results: What to Check Before Returns→
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