$250 per month in Bitcoin since 2016
Buying $250 of Bitcoin every month from January 1, 2016 works out to $32,500 put in across 130 purchases. Those buys total 8.9401 BTC, worth $727,749 at a bitcoin price of $81,403, a return of +2,139%.
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
$32,500
130 purchases of $250
Value
$727,749
At $81,403 per BTC, Oct 20, 2026
Profit
+$695,249
+2,139% ROI
BTC stacked
8.94 BTC
894,008,476 sats
Annualized (XIRR)
+53.6%
Max drawdown
−82.9%
Purchases
130
Best buy
$371.33 · Feb 1, 2016
Year-by-year breakdown
| Year | Total invested | Value at year end | ROI |
|---|---|---|---|
| 2016 | $3,000 | $5,582 | +86.1% |
| 2017 | $6,000 | $101,342 | +1,589% |
| 2018 | $9,000 | $28,508 | +217% |
| 2019 | $12,000 | $58,947 | +391% |
| 2020 | $15,000 | $247,330 | +1,549% |
| 2021 | $18,000 | $397,437 | +2,108% |
| 2022 | $21,000 | $144,047 | +586% |
| 2023 | $24,000 | $373,233 | +1,455% |
| 2024 | $27,000 | $828,560 | +2,969% |
| 2025 | $30,000 | $779,214 | +2,497% |
| 2026 (YTD) | $32,500 | $727,749 | +2,139% |
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 $250 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 $250 per month in Bitcoin since January 1, 2016 be worth today?
Investing $250 every month from January 1, 2016 totals $32,500 across 130 purchases. At a bitcoin price of $81,403 (Oct 20, 2026, UTC) that stack is worth $727,749, a return of +2,139%. This page is rebuilt about once a day.
How much BTC would $250 per month since January 1, 2016 accumulate?
About 8.9401 BTC (894,008,476 sats), at an average cost of $3,635 per BTC.
What is the annualized return of this DCA schedule?
The money-weighted annualized return (XIRR) is +53.6% per year. Along the way the stack's value fell as much as 82.9% 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.