How to use the Bitcoin SIP calculator
- Choose whether you are investing a lump sum or buying on a schedule, and enter your starting capital, the amount per purchase and how often you buy: daily, weekly or monthly.
- Enter today's Bitcoin price and how many years you plan to invest.
- Pick how the price is projected: a fixed yearly growth rate (CAGR), a price target you expect by the end, or your own return for each year.
- Optionally add your exchange fee and your capital gains tax rate.
- Read the results: total invested, projected value, the amount of BTC you would hold, and the value after tax.
What a Bitcoin SIP (or DCA) means
A systematic investment plan, called dollar-cost averaging (DCA) in crypto, means buying a fixed amount at regular intervals rather than all at once. When the price is low your amount buys more BTC, and when it is high it buys less. It reduces the risk of putting everything in just before a drop, but it does not guarantee a profit or a better result than a lump sum. In a steadily rising market, buying early usually wins.
What this calculator assumes
- Growth is smooth. Real Bitcoin prices swing widely, so an actual DCA outcome will look different from a straight projection, even if the average growth rate is right.
- The exchange fee is taken out of every purchase, so a higher fee or more frequent buying reduces the BTC you end up with.
- Tax is applied once, at the end, as a single rate on the profit (final value minus what you invested). Real tax rules depend on your country and on when you sell.
- Any growth rate you enter, including the default, is a scenario you are testing, not a forecast. Nobody can predict Bitcoin's price.
The historical yearly returns table lower on the page shows how uneven past years were, from large gains to falls of more than 60%. Use it to test both good and bad scenarios. This page is for planning and learning, not financial advice; see also the compound interest and SIP calculator for a conventional investment.