Backtest dollar-cost averaging into bitcoin with real historical prices, and compare it with the S&P 500.
Dollar-cost averaging (DCA) means buying a fixed dollar amount on a regular schedule regardless of price. This backtester shows what monthly bitcoin purchases would have been worth using historical monthly average prices, next to the same plan in the S&P 500; past results do not predict future returns.
Data: Bitcoin prices come from the Coinbase Bitcoin series (CBBTCUSD) and S&P 500 prices from the SP500 series (S&P Dow Jones Indices LLC), both from the Federal Reserve Bank of St. Louis (FRED). Both are monthly averages of daily values, downloaded Oct 14, 2026 and bundled with this page, with data through . Each simulated buy uses that month’s average price. The S&P 500 figure is the price index without dividends, so it understates total return. Fees and taxes are ignored. Past performance does not predict future results.
Educational only, not financial advice. This tool gives estimates based on what you enter and the stated assumptions. It is not financial, tax, or legal advice. Talk to a licensed professional before you make decisions. Everything is calculated in your browser, and nothing you type or upload leaves your device.
This tool uses monthly-average prices to compare recurring purchases. For purchase-frequency controls and CSV export using illustrative sample prices, explore the Bitcoin DCA simulator.
It means investing a fixed amount on a regular schedule, such as monthly, no matter the price. You buy more when prices are low and less when they are high.
Monthly averages from the Federal Reserve Bank of St. Louis (FRED): the Coinbase Bitcoin series for bitcoin and the S&P 500 price index, which excludes dividends.
No. A backtest only shows what happened in the past. Bitcoin has been highly volatile, and future returns may be very different.
The tool uses monthly average prices and ignores fees, taxes and exact purchase dates, so real results will differ.