$100 per month in Bitcoin since 2018
Buying $100 of Bitcoin every month from January 1, 2018 works out to $10,600 put in across 106 purchases. Those buys total 0.6519488 BTC, worth $53,071 at a bitcoin price of $81,403, a return of +401%.
That price was quoted by Coinbase on Oct 20, 2026 at 08:34 UTC. This page is rebuilt about once a day, so the price can be a day or more old. The calculator runs the same plan on current prices.
Total invested
$10,600
106 purchases of $100
Value
$53,071
At $81,403 per BTC, Oct 20, 2026
Profit
+$42,471
+401% ROI
BTC stacked
0.6519 BTC
65,194,880 sats
Annualized (XIRR)
+35.1%
Max drawdown
−74.8%
Purchases
106
Best buy
$3,438 · Feb 1, 2019
Year-by-year breakdown
| Year | Total invested | Value at year end | ROI |
|---|---|---|---|
| 2018 | $1,200 | $607.75 | -49.4% |
| 2019 | $2,400 | $2,626 | +9.4% |
| 2020 | $3,600 | $14,163 | +293% |
| 2021 | $4,800 | $23,849 | +397% |
| 2022 | $6,000 | $9,283 | +54.7% |
| 2023 | $7,200 | $25,639 | +256% |
| 2024 | $8,400 | $58,449 | +596% |
| 2025 | $9,600 | $55,834 | +482% |
| 2026 (YTD) | $10,600 | $53,071 | +401% |
Each row takes the bitcoin held at the end of that year and values it at the price for December 31 (UTC). ROI is the gain on everything paid in up to then. The current year, marked YTD, is valued at $81,403 per BTC, the same price as the figures above.
How this is calculated: purchases are simulated on UTC calendar days. Each day is priced from Coinbase: one close per UTC day. The price history was fetched on Oct 20, 2026 at 08:00 UTC, and a row dated that day is the latest trade at that moment, not a close. Amounts are in USD, and no exchange fees are applied. ROI is the gain as a percentage of what you put in. XIRR is the annualized return, meaning the yearly rate of growth, adjusted for money going in a bit at a time. Max drawdown is the deepest fall the stack's value took from its own earlier peak, checked on every day of the plan and not only on purchase days. One price a day cannot show a fall that happens inside a single day. The full methodology covers the rest.
Run your own numbers
This page assumes $100 every month and zero fees. Change any of it in the live calculator: amount, cadence, dates, fees, all backtested against the same historical data.
Open the calculatorCommon questions
How much would $100 per month in Bitcoin since January 1, 2018 be worth today?
Investing $100 every month from January 1, 2018 totals $10,600 across 106 purchases. At a bitcoin price of $81,403 (Oct 20, 2026, UTC) that stack is worth $53,071, a return of +401%. This page is rebuilt about once a day.
How much BTC would $100 per month since January 1, 2018 accumulate?
About 0.6519488 BTC (65,194,880 sats), at an average cost of $16,259 per BTC.
What is the annualized return of this DCA schedule?
The money-weighted annualized return (XIRR) is +35.1% per year. Along the way the stack's value fell as much as 74.8% from an earlier peak, checked on every day of the plan at that day's price.
Related scenarios
Not financial advice. This is a historical simulation for educational purposes; past performance does not guarantee future results. Bitcoin is volatile and you can lose money.