DCA $100/month since 2016: you'd have $256K today
Current Value
$256K
$100/mo
Total Invested
$11K
ROI
22.6×
return on investment
BTC Held
3.58 BTC
Results by Monthly Amount
| $/Month | Invested | BTC Today | Value | ROI | S&P 500 |
|---|---|---|---|---|---|
| $100 | $11K | 3.58 BTC | $256K | 22.6× | $19K |
| $200 | $23K | 7.17 BTC | $511K | 22.6× | $38K |
| $500 | $57K | 17.92 BTC | $1.3M | 22.6× | $94K |
| $1000 | $113K | 35.84 BTC | $2.6M | 22.6× | $188K |
Worst Moment
In 2019-02, your portfolio was down 72.6%from its peak. If you kept going, you'd be at $256K today.
Dollar-Cost Averaging Bitcoin Since 2016
These are actual historical results — not projections or models. Every number uses real BTC prices from 2016 to today. The S&P 500 column assumes a 10% annual return with monthly compounding for comparison.
DCA works because it removes the pressure of timing the market. Even investors who started at cycle peaks eventually accumulated significant returns by staying consistent through bear markets.
DCA from other starting years
Frequently Asked Questions
Dollar-cost averaging $100/month into Bitcoin since January 2016 would have turned $11K invested into approximately $256K — a 22.6x return. You would have accumulated approximately 3.58 BTC at an average cost of $3,153 per Bitcoin.
$100/month DCA from January 2016 to today means $11K total invested. Based on actual historical Bitcoin prices, this portfolio would be worth approximately $256K today, with 3.58 BTC accumulated.
The worst paper loss for a $100/month DCA starting in 2016 was approximately 72.6%, occurring in 2019-02. Investors who continued their DCA through this drawdown recovered fully and reached $256K today.
From January 2016 to today, $100/month DCA into Bitcoin returned $256K (a 22.6x multiple), while the same DCA into the S&P 500 returned $19K (a 1.7x multiple). Bitcoin outperformed by $237K in absolute terms, though with significantly higher volatility along the way.
You might also like
New to Bitcoin? Start here.
Our free 10-module course covers everything from the basics to self-custody — no jargon, no shilling.
Want to customize these numbers?
Use the full Bitcoin FIRE Calculator to adjust your age, savings, expenses, and growth models. Plus explore our free 10-module Bitcoin course.