DCA Calculator: What If You Had DCA'd Into Bitcoin Since 2020?

The Power of Consistency: DCA Since 2020

People always ask me, "Is it too late to buy Bitcoin?" Instead of answering with opinions, let me show you actual numbers. This is what would have happened if you had simply DCA'd a small amount into Bitcoin starting in January 2020.

The Scenario

Let us assume you invested $50 USD per week (roughly 15,000 LKR) into Bitcoin starting January 1, 2020. No fancy trading, no trying to time the market, just a simple weekly buy.

The Journey

• January 2020: Bitcoin at $7,200. You start buying.
• March 2020: COVID crash. Bitcoin drops to $3,800. Your DCA buys a LOT of cheap sats.
• December 2020: Bitcoin hits $29,000. Your stack is already in serious profit.
• April 2021: Bitcoin reaches $64,000. Your portfolio is glowing.
• June 2022: Bitcoin crashes to $17,000. DCA keeps you buying the dip automatically.
• 2024-2025: Bitcoin surges past $100,000. Your patience is rewarded.

The Numbers

Metric	Value
Total Invested	~$15,600
Total BTC Accumulated	~0.52 BTC
Average Cost per BTC	~$30,000
Value at $100,000 BTC	~$52,000
Return	~233%

These are approximate figures to illustrate the concept. Your actual results would vary based on exact purchase times and fees.

The Key Takeaway

Notice something important: you did not need to buy the bottom perfectly. You bought through the crash, through the recovery, through the next bear market. The DCA approach meant that every crash was actually an opportunity, not a disaster.

What Most People Actually Did

In contrast, here is what I saw many people do:

• Bought at $60,000 in 2021 because of FOMO
• Sold at $20,000 in 2022 because of fear
• Bought back at $90,000 in 2024 because of FOMO again
• Net result: massive losses despite Bitcoin going up overall

DCA protects you from being that person. Try our DCA calculator with your own numbers.

Disclaimer: This is educational content only and is NOT financial advice. Past performance does not guarantee future results. These numbers are approximations for educational purposes. Never invest more than you can afford to lose.