According to Coinbird's Bitcoin DCA Calculator analysis, an investor who began a $100/month Bitcoin Dollar Cost Averaging (DCA) plan in January 2015 would have made 137 monthly purchases through May 2026, investing a total of ₹13,700. As of May 19, 2026, the resulting portfolio of 8.219 BTC would be worth approximately ₹632,315, representing a total return of +4,515% on invested capital. The strategy accumulated Bitcoin at an average acquisition cost of roughly ₹1,667 per BTC, with early purchases acquiring significantly more Bitcoin before prices rose. As Philipp, Founder of Coinbird, noted, "The interesting finding is not simply that Bitcoin went up since 2015," but that automatic monthly buying through crashes, all-time highs and regulatory uncertainty still produced extraordinary long-term results.
For investors who started later, near the May 2021 market peak before the 2022 crash, a $100/month DCA plan still returned +84.34% in the May 2021–May 2026 scenario, turning ₹6,100 invested across 61 monthly purchases into approximately ₹11,244. Over the same period, a lump-sum investment of the full amount made upfront in May 2021 returned approximately +43%. In this specific scenario, DCA outperformed because the strategy automatically accumulated more Bitcoin during the 2022 bear market. The analysis demonstrates how disciplined monthly buying can still generate significant returns even when starting near market peaks.
Despite the strong long-term returns, DCA investors across the full period still experienced a maximum drawdown of -76.72% during the 2022 bear market, as reported by Coinbird. This underscores that recurring purchases do not eliminate volatility or the psychological difficulty of holding through severe declines. The drawdowns demonstrate why this strategy is much harder to live through than it appears on a chart in hindsight. The analysis shows that lump-sum investing beat DCA at the 1-, 2-, 3- and 4-year horizons in Coinbird's tested scenarios, with the five-year DCA advantage emerging only after a full crash-and-recovery cycle.
According to Philipp, Founder of Coinbird, the interesting finding is that automatic monthly buying through crashes, all-time highs and regulatory uncertainty still produced extraordinary long-term results. However, the drawdowns demonstrate why this strategy is much harder to live through than it appears on a chart in hindsight. Coinbird's Bitcoin DCA Calculator is available free of charge and allows users to test different investment amounts, purchase intervals and start dates going back to 2013, with calculations excluding taxes and trading fees. The platform uses historical Bitcoin price data from CoinGecko to simulate recurring Bitcoin purchases at selected monthly intervals, providing transparent data for both DCA and lump-sum comparison scenarios.
