Real prices · honest comparison

DCA simulator

The bot tries to beat buy-and-hold. This tool shows you, honestly, whether it should even bother — on real historical prices.

For most people, boring wins

If you have no edge and no time, dollar-cost averaging — buying a fixed amount on a fixed schedule, through the ups and the downs — is brutally hard to beat. From Warren Buffett to every index-fund book ever written, it's the one thing nearly everyone agrees on.

The bot exists to try to do better — less drawdown, a return that earns even when the market falls. Sometimes it will. Sometimes plain DCA wins. We put them side by side on real prices and let you decide. Same money in, same dates, no cherry-picking.

Per-asset calculators

DCA — questions

What is dollar-cost averaging (DCA)?

Buying a fixed amount on a fixed schedule — through the ups and the downs — instead of trying to time the market. It removes timing risk and is brutally hard to beat if you have no edge and no time.

Does this DCA calculator use real prices?

Yes. Real monthly historical closing prices for Bitcoin, Ethereum, Solana, the S&P 500 and the Nasdaq-100, price-return only (dividends, staking and funding yield excluded for a fair comparison). The inflation view uses US CPI.

Can I compare DCA against the trading bot?

Yes, on every asset — the green line is a backtest of the WiseBot production book (trend + carry on BTC/ETH/SOL). On the stock pages it's shown as a crypto alternative to DCA-ing the index. It is not a live track record and past results don't predict the future.

DCA vs lump sum — which is better?

It depends on the period. Lump sum wins more often in long bull runs; DCA wins in choppy or down markets and removes timing risk. Try both above.