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Short answer
Dollar-cost averaging means buying a fixed amount on a schedule instead of all at once. Had you put $100 into Bitcoin at every monthly close from October 2023 to September 2026, 36 buys and $3,600 in total, you would hold 0.05117036 BTC worth $4,279.05 at the September 2026 close. Try other coins and dates above.
Crypto DCA calculator
What a fixed monthly buy would be worth now, from Binance's monthly closing prices.
Results appear here.
Data: Binance public spot market data (monthly klines, UTC), latest complete month 2026-09. A record of past prices, not advice.
Key facts
| Method | amount ÷ monthly close for each buy; coins held × close of the end month |
| Price used | Binance spot monthly close (1M kline, UTC), quoted in USDT |
| Coins | Bitcoin (BTC), Ether (ETH), BNB, Solana (SOL), XRP, Dogecoin (DOGE) |
| Latest month | September 2026 |
| $100 a month in BTC, October 2023 to September 2026 | $3,600 in, $4,279.05 at the end |
How does the DCA calculator work?
For every month in your range it takes the coin's closing price on Binance, divides your amount by that price and adds the coins to a running total. At the end it values all the coins at the closing price of the last month.
Worked example: 36 buys of $100 in Bitcoin from October 2023 to September 2026 bought 0.05117036 BTC at an average cost of $70,353.23 per coin. At the September 2026 close of $83,623.60 that is 0.05117036 × $83,623.60 = $4,279.05, or +18.9% on the $3,600 put in.
What did $100 a month do across coins?
The table runs the same plan, 36 monthly buys of $100 from October 2023 to September 2026, for each coin and sets it against putting the whole amount in at the October 2023 close. Of the 6 coins, 5 ended above the money put in. For every coin the single buy at the start ended higher than the monthly plan. These are past closes and say nothing about future prices.
| Coin | Invested | Monthly plan value | Plan change | One buy at start | One-buy change |
|---|---|---|---|---|---|
| Bitcoin (BTC) | $3,600 | $4,279.05 | +18.9% | $8,690.73 | +141.4% |
| Ether (ETH) | $3,600 | $3,771.86 | +4.8% | $5,328.59 | +48.0% |
| BNB | $3,600 | $4,978.52 | +38.3% | $12,243.02 | +240.1% |
| Solana (SOL) | $3,600 | $3,661.94 | +1.7% | $11,073.75 | +207.6% |
| XRP | $3,600 | $5,387.73 | +49.7% | $8,945.96 | +148.5% |
| Dogecoin (DOGE) | $3,600 | $2,749.30 | −23.6% | $4,986.32 | +38.5% |
Is DCA better than buying all at once?
It depends on the path prices take. When prices rise steadily, a single early buy usually ends higher because more money is in the market for longer. When prices fall first and recover later, monthly buying picks up cheaper coins and can end ahead.
What DCA does reliably is remove the need to pick a single entry day, and it caps how much you commit at any one price. The SEC's Investor.gov and FINRA describe it the same way: it can lower the average cost per unit, but it does not guarantee a profit or protect against losses in a falling market.
What does the calculator leave out?
- Real fills: a market order fills near, not at, the monthly close, and the spread adds cost.
- Fees: enter your exchange's spot fee to see its effect; the default is zero.
- Taxes: each sale can be taxable where you live. The tool stops at the value of the coins held.
- Coins listed later: a coin's data starts in its first month on Binance, so earlier dates return an error.
FAQ
Which price does each buy use?
The Binance spot closing price of that calendar month, in UTC, in USDT.
Can I use weekly buys?
Not yet. The calculator uses one buy per month.
Why does my exchange show a different result?
Your real fills, fees and timing differ from monthly closes.
How often is the data updated?
Once a month, after each month closes on Binance.
Sources
- Binance: spot API market data endpoints (kline data)
- Binance public data archive
- Investor.gov (SEC): dollar cost averaging
- FINRA: dollar-cost averaging
Figures change. Check the primary sources above.