Monthly $100 Bitcoin DCA since 2015 now worth $632,315

An analysis by Coinbird finds that a disciplined $100-per-month dollar-cost averaging plan into Bitcoin from January 2015 through May 19, 2026 would have converted $13,700 of contributions into about $632,315, resulting in a holding of roughly 8.219 BTC and a total return of 4,515%.

Coinbird ran its Bitcoin DCA Calculator using historical CoinGecko price data to simulate 137 monthly purchases between January 2015 and May 2026. The model estimates an average acquisition cost of about $1,667 per BTC for the investor who began in 2015, reflecting heavier accumulation during Bitcoin’s earlier, lower-price years.

The platform tested alternate start dates and horizons. For an investor who began $100 monthly buys near the May 2021 peak and continued through May 2026, the plan invested $6,100 across 61 purchases and produced about $11,244, an 84.34% gain. In that same May 2021–May 2026 scenario, a lump-sum investment of $6,100 made at the start of the period returned about 43%, meaning the recurring purchases accumulated more Bitcoin during the 2022 bear market in that case.

Coinbird’s backtests indicate that lump-sum investing outperformed monthly DCA at the 1-, 2-, 3- and 4-year horizons in the scenarios it tested. The analysis shows a five-year DCA advantage only after a crash-and-recovery cycle, so results depend on start date and market conditions.

The report also highlights volatility experienced across the full 2015–2026 run. Coinbird reports a maximum drawdown of 76.72%, driven by the 2022 market decline. Calculations in the analysis exclude taxes and trading fees. The report notes that past performance does not guarantee future results.

“Automatic monthly buying through crashes, all-time highs and regulatory uncertainty produced strong long-term results, but the drawdowns make the strategy difficult to endure in real time,” commented Philipp, founder of Coinbird.

Coinbird’s Bitcoin DCA Calculator is available free on the company website and allows users to model recurring purchases, different contribution amounts, purchase intervals and start dates going back to 2013. The platform states its methodology uses CoinGecko historical prices for simulated recurring purchases and assumes lump-sum comparisons invest the full planned amount at the start of the selected period.