Crypto investment calculator with recurring buys
Model a lump sum plus recurring crypto buys and see the ending value, ROI, CAGR, fee drag, and price scenarios. The buy-path math backs onto a real Bitcoin backtest.
Enter an amount, a schedule, and two prices. The model returns what the plan is worth at the end and how the return breaks down. Toggle the fee to see what it really costs.
No market feed is used. Every price, rate, fee, and balance comes from the values you enter.
Your inputs
Inputs and results stay in this browser. Values are capped to keep calculations finite and responsive.
Calculated result
- Total invested
- $11,000.00
- Units accumulated
- 0.1622
- Average cost
- $67,801.51
- Ending value
- $14,601.44
- Return on investment
- 32.74%
- Annualized return
- 32.74%
- Fee cost vs no fee
- $73.37
- Price change you entered
- 50%
Cash invested divided by units received
CAGR over the holding window you entered
Foregone value from the fee you entered
Start to end price over the holding window
Ending price scenarios
- -50% off start price
- $6,752.55 (-38.61%)
- -25% off start price
- $8,946.33 (-18.67%)
- 0% off start price
- $10,945.00 (-0.5%)
- 25% off start price
- $12,817.79 (16.53%)
- 50% off start price
- $14,601.44 (32.74%)
- 100% off start price
- $17,982.61 (63.48%)
The calculation
What this model shows
A single lump sum plus an optional recurring contribution make up the total you put in. Every purchase pays the same fee rate. The model spaces the recurring buys evenly along a straight path from your start price to your end price.
The result separates what you invested from what it is worth at the end. ROI measures the whole plan. CAGR smooths the return to one annual rate over the window you enter. Fee drag shows how much value a fee quietly takes from the plan.
How recurring buys are priced
The first purchase is the lump sum at your start price. Each recurring contribution then buys at a price spaced evenly toward the end price. With twelve periods, the seventh buy sits halfway along that path.
A straight glide path stands in for the real market tape. Real prices jump, gap, and cluster. The straight line is an approximation that keeps the model reproducible by hand with a calculator.
A ten thousand dollar plan across a year
Put in $10,000 today at $60,000 per unit. Add $500 each month for twelve months. Run the path to an end price of $90,000 with a 0.5% fee. The total invested is $16,000. The plan accumulates about 0.218 units at an average cost near $73,500. At $90,000 it is worth close to $19,640. That is a gain of roughly $3,640, about 22.8% on the money put in. Over one year the CAGR lands near 22.8% too. Raising the fee to 2% shaves roughly $246 off the end value. The exact figures track the inputs you enter in the calculator.
Questions and answers
Why is the average cost different from the ending price?
Average cost is total cash divided by units. If your recurring buys happen below the end price, average cost lands below it too. The gap between average cost and end price is the meat of the return. It is a planning number, not a guaranteed fill.
What does the ending price scenario table do?
It replays your whole contribution plan at six different end prices. The set runs from fifty percent below your start price to double it. Each row shows what the plan would be worth at that price. The table helps you see downside and upside before you commit money.
Is this a backtest of real Bitcoin data?
The method mirrors a real Bitcoin backtest that applies the same buy path math to historic prices. The calculator itself accepts whatever prices you type, so it stays a forward planning tool. The backtest confirms the math, not a forecast of your result.
How should I pick the holding window for CAGR?
Use the calendar span of your plan in years. Twelve monthly periods are one year. Thirty-six are three. CAGR only appears when you enter a window longer than zero. It is a fair way to compare a crypto plan against other annualized returns.
Method and sources
The formulas run only on your inputs. These references support the definitions and risk notes on this page. They do not supply prices or predict a result.
- Investor.gov: Compound interest
The US investor education site explains how interest and returns build on themselves over time. It anchors the CAGR and compounding notes on this page.
- SEC: Investor education on digital assets
The Securities and Exchange Commission warns that crypto assets are volatile and can lose their entire value. It frames the risk disclosure below.
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Research and risk disclosure
This calculator is an educational planning model, not investment, tax, or trading advice. It does not predict returns or execution. Crypto assets can lose their entire value. Confirm actual fills, fee schedules, funding, taxes, and account balances with the relevant provider before acting.
Built and checked by Michael Lip. Method assumptions are stated on this page so the result can be reproduced independently.