What if you had bought Bitcoin on an earlier date?
This calculator answers that question with observed history rather than a forecast. For a lump-sum test, it invests the selected amount at the first available daily close on or after the start date. For monthly DCA, it repeats the same purchase on the matching day of each month and moves dates such as the 31st to the final day of shorter months.
Each purchase first removes the fee you entered. The remaining cash is divided by the Bitcoin price in your chosen currency on that day. The calculator then values the accumulated BTC at every later daily close until the end date.
Why local-currency results differ from the USD chart
Bitcoin may rise against the US dollar while the dollar itself rises or falls against CAD, JPY, CNY, THB or EUR. RiskKit converts every historical BTC-USD close with the reference exchange rate for that date. Weekend and holiday FX rates use the most recent available business-day rate. This is more realistic than changing only the currency symbol or applying today's exchange rate to the entire history.
Lump sum versus monthly DCA
A lump sum puts all capital at risk at the start. It benefits more when the asset rises soon afterward and suffers more when the selected date is near a market peak. DCA spreads entry timing across many prices. It can reduce the impact of one unlucky purchase date, but it does not guarantee a profit and can underperform a lump sum during a sustained rise.
Price data and important limits
Early BTC-USD reference prices come from Coin Metrics Community Data. Later daily closes use Yahoo Finance BTC-USD. Historical currency rates come from the Frankfurter API, which tracks institutional reference rates. Different exchanges, time zones and price indexes can produce different closes, especially in Bitcoin's early illiquid years.
The result excludes taxes, spreads, slippage, wallet fees, lost keys, staking or lending income and the possibility that an exchange was unavailable in your country. It also assumes every scheduled purchase was completed and all BTC remained held through the selected end date.