BTC Now vs DCA Calculator
Compare buying Bitcoin upfront with installment payments versus dollar-cost averaging for any historical period. Adjust the parameters to see how each strategy would have performed.
Parameters
Time Period
BTC Now
DCA
WinnerBTC Accumulation Over Time
With BTC Now, you receive all your Bitcoin upfront. With DCA, you gradually accumulate over the period.
BTC Price During Period
Historical BTC prices that affected DCA purchase amounts.
Analysis
DCA wins this period because Bitcoin's price had significant volatility during the term. Without financing costs and with the ability to buy at various price points, DCA accumulated +46.6% more BTC.
Key insight: BTC Now tends to outperform when Bitcoin is in a growth phase, while DCA can protect against volatility and declining prices. The 15% financing cost is the break-even point - if BTC appreciates more than this annually, BTC Now typically wins.
1BTC Now Strategy
- ✓Receive full BTC amount immediately
- ✓Pay fixed monthly installments
- ✓Financing cost at 15% APR
- ✓Benefit from all price appreciation
2DCA Strategy
- ✓Buy BTC each month at market price
- ✓No financing costs
- ✓Average out price volatility
- ✓Gradual accumulation over time