Crypto 工具已更新 2 周前

DCA Calculator

See how investing a fixed amount into an asset on a regular schedule would have performed using real historical prices. Pick a stock, ETF, commodity or cryptocurrency, set your amount, frequency and date range, and the calculator simulates every purchase - showing your final value, ROI, best and worst months, and how dollar-cost averaging compares with investing the same money as a lump sum.

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使用 DCA Calculator

DCA 计算器

看看定期投资股票、ETF、黄金或加密货币在一段时间内的表现如何。
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投资总额
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当前值
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利润/亏损
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平均买入价格
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购买
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拥有的单位
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最佳月份
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最糟糕的一个月
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DCA 与总价合同
DCA 价值
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一次性付款金额
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区别
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DCA获胜 一次性奖金
投资组合价值随时间的变化
按月明细
日期 价格 金额 已购买 总单位数 投资总额
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阅读内容

了解该工具的工作原理以及何时使用它。

How to Use This Tool

Choose an asset from 20 supported instruments - including Bitcoin, Ethereum, Apple, NVIDIA, the S&P 500 ETFs (VOO, SPY), and gold - then enter your periodic investment amount, the frequency (daily, weekly or monthly), and the date range. The calculator pulls real daily closing prices and simulates every single purchase on its due date.

Features

  • Real historical prices - Daily closing prices from Binance (crypto) and Stooq (stocks, ETFs and gold), dating back to 2017.
  • Full investment simulation - Every purchase is executed at that day price, with running units and invested totals.
  • DCA vs lump sum - Compare your periodic investing result with investing the same total amount on day one.
  • Best and worst months - See which months delivered the biggest gains and losses for the asset in your window.
  • Value-over-time chart - Visualize your portfolio value climbing against the total amount invested.
  • Monthly breakdown table - Every purchase: date, price, amount, units bought, total units and total invested.
  • 30+ currencies - All results convert into your local currency with live exchange rates.

Understanding the Numbers

The simulation invests the same amount on every scheduled date using that day closing price. Total units = sum of amount / price per purchase; current value = total units x the latest price in the range. ROI = (current value - total invested) / total invested. The lump sum comparison invests the full amount once, on the start date, and holds until the end of the range.

常见问题解答

针对用户在信任结果之前常提出的疑问，提供简短解答。

Dollar-cost averaging (DCA) means investing a fixed amount on a regular schedule regardless of price. You buy more units when the price is low and fewer when it is high, which smooths the average purchase price over time and removes the stress of timing the market.

Not always. Lump sum investing captures the full market return from day one, so it usually wins when prices trend upward. DCA wins when prices fall early and recover later, because later purchases are cheaper. The calculator shows both results side by side for your exact range.

Crypto prices come from Binance daily candles, with Coinbase as a fallback. Stock, ETF and gold prices come from Stooq, with Yahoo Finance as a fallback. History is fetched once per day per asset and cached, so results are fast and consistent.

The simulation only invests on real trading days. If your start or end date falls on a weekend or holiday, the first or last purchase shifts to the nearest trading day with data. Dates before January 2017 or after the latest available price are not supported.

No. Historical returns shown by this calculator are for illustration only and do not predict future performance. Nothing on this page is financial advice.

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