Bitcoin & Ethereum Savings Plan Calculator

Dollar Cost Averaging (DCA) is an investment strategy where you invest a fixed amount of money at regular intervals (e.g., monthly), regardless of the asset's price. Instead of trying to time the market, you buy consistently over time.

This approach reduces the impact of volatility - you automatically buy more when prices are low and less when prices are high. For crypto markets with high volatility, DCA is one of the most popular long-term investment strategies.

A crypto savings plan works like a traditional savings plan, but instead of saving in fiat currency, you regularly buy Bitcoin or Ethereum. You decide:

• How much you invest monthly (e.g., $100, €200, or any amount)
• When you buy each month (1st, 15th, or last day)
• Which currency you use for investing

The calculator shows you what would have happened if you had started this plan in the past, using real historical prices and exchange rates.

The purchase date can significantly impact your returns due to crypto's price volatility. Prices on the 1st vs. the 15th vs. the last day of a month can vary substantially.

This calculator lets you compare all three options to see which would have performed best for your chosen time period. However, past performance doesn't predict future results - the "best" day varies depending on the time period analyzed.

The calculator supports 31 major global currencies with real historical FX (foreign exchange) rates. This feature shows you exactly how currency fluctuations impacted your crypto returns:

Americas (4 currencies): US Dollar (USD), Canadian Dollar (CAD), Brazilian Real (BRL), Mexican Peso (MXN)

Europe (12 currencies): Euro (EUR), British Pound (GBP), Swiss Franc (CHF), Norwegian Krone (NOK), Swedish Krona (SEK), Danish Krone (DKK), Icelandic Króna (ISK), Polish Złoty (PLN), Czech Koruna (CZK), Hungarian Forint (HUF), Romanian Leu (RON), Bulgarian Lev (BGN)

Asia-Pacific (12 currencies): Japanese Yen (JPY), Chinese Yuan (CNY), Hong Kong Dollar (HKD), Singapore Dollar (SGD), Australian Dollar (AUD), New Zealand Dollar (NZD), South Korean Won (KRW), Indian Rupee (INR), Indonesian Rupiah (IDR), Malaysian Ringgit (MYR), Philippine Peso (PHP), Thai Baht (THB)

Middle East & Africa (3 currencies): Israeli New Shekel (ILS), Turkish Lira (TRY), South African Rand (ZAR)

Why FX rates matter: If you invested in EUR but Bitcoin is priced in USD, your actual returns depend on both Bitcoin's price movement AND the EUR/USD exchange rate. This calculator accounts for both factors, giving you the true performance in your local currency.

This calculator shows historical performance based on real market data and exchange rates. However, it does not account for:

• Trading fees or exchange commissions
• Tax implications (capital gains, reporting requirements)
• Slippage or liquidity issues
• Custody costs or wallet fees

For tax reporting, consult a tax professional and use exact records from your actual trades. This tool is for educational and planning purposes only.

Both Bitcoin and Ethereum have different characteristics:

Bitcoin (BTC): Often called "digital gold," with a fixed supply cap of 21 million coins. Historically less volatile than most altcoins, widely adopted as a store of value.

Ethereum (ETH): The leading smart contract platform, powering DeFi and NFTs. Different supply dynamics and use cases compared to Bitcoin.

Use this calculator to compare historical performance of both. However, past performance doesn't guarantee future results. Diversifying between both is a common strategy.