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XRP DCA Calculator

Pick an amount and frequency — the backtest replays real XRP prices and compares DCA with a lump-sum buy.

Value today
$19,160
$15,700 invested over 157 buys
Profit
+22%
$3,460

Lump sum would have won here: investing the whole $15,700 on Jul 3, 2023 would be worth $37,237 (+137.2%) vs $19,160 (+22%) with DCA.

$47,298$24,894$2,48920232026
Position valueTotal invested
XRP accumulated17,261.16 XRP
Average cost basis$0.91
Current XRP price$1.11
First / last buyJul 3, 2023 → Jun 29, 2026
Yearly breakdown
YearCumulative investedValue at year end
2023$2,600$2,776
2024$7,900$31,758
2025$13,100$32,151
2026$15,700$19,975

Data as of Jul 11, 2026

Estimates only — not financial advice.

How this is calculated

On every scheduled date (weekly, biweekly or monthly), the backtest buys amount ÷ that week's closing price worth of XRP and adds it to the running position: total coins, total invested, and average cost. The final position is valued at the live price.

The lump-sum comparison invests the identical total on your first purchase date at that day's price — same money, same window, different timing. Weekly closes come from our bundled XRP dataset (methodology), so results are reproducible and don't depend on a third-party widget.

What weekly $100 into XRP actually did

Period Invested Value today Return
Last 1 year $5,300 $3,280 -38.1%
Last 3 years $15,700 $19,160 +22%
All data (since 2018-04) $42,700 $100,309 +134.9%

Computed from bundled weekly closes as of 2026-07-11. Not a projection.

Frequently asked questions

Is DCA better than lump sum?
Historically, a lump sum invested early beats DCA in steadily rising markets, while DCA wins when prices fall after you start — and it always wins on stress. This tool shows both outcomes for your exact dates. For the full data study, read DCA vs. lump sum: what 10 years of Bitcoin data says.
How does the XRP DCA backtest work?
The calculator replays history: on each scheduled date it "buys" your fixed dollar amount at that week's actual closing price from our bundled XRP dataset, accumulating coins and cost basis, then values everything at the current price.
Does dollar-cost averaging guarantee a profit?
No. DCA lowers timing risk and smooths your cost basis, but if the asset trends down for your whole horizon, you still lose money — as several periods in this backtest show. It is a discipline tool, not a shield.
Are DCA purchases taxable?
Buying is generally not a taxable event, but every purchase starts its own holding period and cost basis, which matters when you eventually sell. Estimate the impact with the crypto tax calculator.

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Disclaimer: This tool provides educational estimates only — it is not financial, investment, or tax advice. Crypto assets are volatile; past performance does not guarantee future results. See our methodology and full disclaimer.