See what dollar-cost averaging into VTI — the entire US stock market — would have returned on real prices, next to a lump-sum buy, with an inflation-adjusted view.
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
See what dollar-cost averaging into VTI — the entire US stock market — would have returned on real prices, next to a lump-sum buy, with an inflation-adjusted view.
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 Total US Market (VTI) 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 Total US Market 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 Total US Market 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.