The benchmark everyone is measured against. See what dollar-cost averaging into the S&P 500 would have returned on real prices, next to a lump-sum buy — and switch to the inflation-adjusted view to see your real purchasing power.
Want the head-to-head instead? DCA is about when you buy. To see how WiseBot's curve stacks up against simply holding Bitcoin, Ethereum or the S&P 500 — up to five at once — compare buy & hold.
Compare buy & hold →The honest part
The benchmark everyone is measured against. See what dollar-cost averaging into the S&P 500 would have returned on real prices, next to a lump-sum buy — and switch to the inflation-adjusted view to see your real purchasing power.
If you have no edge and no time, dollar-cost averaging is brutally hard to beat — that's the one thing nearly everyone agrees on. The bot exists to try to do better. Sometimes it will; sometimes plain DCA wins. This tool won't pretend otherwise.
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Set a monthly amount, a start date and an end date above. The calculator buys a fixed dollar amount of S&P 500 at each month's price, then shows the running value, what you put in, the lump-sum alternative and the WiseBot book — all on real history. Nothing to install: it runs in your browser, free.
DCA spreads your buys over time, so you never put everything in at the worst moment and you don't have to time the market. In a steadily rising market a single lump-sum buy often ends up ahead because your money is invested longer; in choppy or falling markets DCA tends to do better because you buy more when prices are low. This calculator shows you both on real S&P 500 history so you can judge for yourself.
It depends entirely on the period. Toggle the dates above and watch the two lines: lump sum wins more often in long bull runs, DCA wins when the path is volatile or down early. Neither is universally 'better' — DCA mostly buys you a smoother ride and removes timing risk.
Yes — the green line is a backtest of the WiseBot production book (trend-following + funding carry on BTC/ETH/SOL, a crypto strategy, not S&P 500 itself) over the window its data covers. It assumes you could have put the same monthly amount into the bot. It is not a live track record and past results don't predict the future — it's there for an honest comparison, not a promise.
Real monthly historical closing prices, price-return only — dividends, staking and funding yield are excluded across every asset so the comparison stays fair. The inflation-adjusted view uses US CPI.