What is dollar-cost averaging?

Investing a fixed amount on a fixed schedule, whatever the price is that day. It trades the hope of a perfect entry for an average one, which is how most people actually save.

How is the return calculated?

Every position is marked to market daily at real closing prices. The XIRR column is the money-weighted annual rate of the exact schedule you set: each purchase is discounted for how long it was actually held, so late money counts for less than early money.

Where does the price data come from?

Crypto prices are CoinGecko daily closes; gold and silver come from the same source via fully backed metal tokens; stock closes come from Nasdaq. The window currently reaches back one year.

Which assets can I compare?

Any US-listed stock, any of the top 500 cryptocurrencies by market cap, gold or silver. Up to twelve at once, in any mix.

Is this investment advice?

No. It replays the past at the prices that actually printed, and the past is not a forecast.

Steady buying, scored honestly

What if you’d saved into Bitcoin, Apple or gold?

Nobody buys the top with everything on day one; normal people drip money in on a schedule. Pick a start date, a rhythm and an amount, and this simulates buying that much of any asset this site tracks (every US-listed stock, the top 500 coins, gold and silver) at its real daily closing price: no smoothing, no hindsight, and a dashed line showing what the same dollars did sitting still.

The window reaches back one year for now, as far as the daily-close feeds go. A longer horizon is coming.

Start dateFrequencyAmount per buy (USD)

Compare

Add any stock, coin or metal

Dollar-cost averaging

$100.00 every week from 20 Aug 2025 to 19 Aug 2026 · 53 buys · $5,300 in

Zcash$15,7622.97xEthereum$4,8030.91xBitcoin$4,5360.86xInvested$5,300

20 Aug 202519 Dec 202520 Apr 202619 Aug 2026

First BTC buy: $100.00 at $112,900.00 per BTC on 20 Aug 2025, about 0.000886 BTC

Buys execute at each day’s close · crypto and metal data from CoinGecko, equity closes via Nasdaq, through 19 Aug 2026 · nominal USD, not investment advice

Return and risk

XIRR is the money-weighted annual rate of this exact schedule: each buy counts for how long it was actually held, which is the honest way to score periodic saving. Sharpe and Sortino describe the asset’s own daily swings over the same window, regardless of the schedule (Sortino only penalizes the downward ones), annualized on each market’s own calendar.

Asset	Value	Multiple	XIRR	Sharpe	Sortino
Zcash	$15,762	2.97x	+560.1%	2.51	4.72
Ethereum	$4,803	0.91x	-18.2%	-0.57	-0.82
Bitcoin	$4,536	0.86x	-27.5%	-0.94	-1.27

Popular plans

Questions this page gets

What is dollar-cost averaging?: Investing a fixed amount on a fixed schedule, whatever the price is that day. It trades the hope of a perfect entry for an average one, which is how most people actually save.
How is the return calculated?: Every position is marked to market daily at real closing prices. The XIRR column is the money-weighted annual rate of the exact schedule you set: each purchase is discounted for how long it was actually held, so late money counts for less than early money.
Where does the price data come from?: Crypto prices are CoinGecko daily closes; gold and silver come from the same source via fully backed metal tokens; stock closes come from Nasdaq. The window currently reaches back one year.
Which assets can I compare?: Any US-listed stock, any of the top 500 cryptocurrencies by market cap, gold or silver. Up to twelve at once, in any mix.
Is this investment advice?: No. It replays the past at the prices that actually printed, and the past is not a forecast.