$250 per month in Bitcoin since 2020
Buying $250 of Bitcoin every month from January 1, 2020 works out to $20,500 put in across 82 purchases. Those buys total 0.71387278 BTC, worth $59,194 at a bitcoin price of $82,920, a return of +189%.
That price was quoted by Coinbase on Oct 20, 2026 at 15:10 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
$20,500
82 purchases of $250
Value
$59,194
At $82,920 per BTC, Oct 20, 2026
Profit
+$38,694
+189% ROI
BTC stacked
0.7139 BTC
71,387,278 sats
Annualized (XIRR)
+30.9%
Max drawdown
−70.2%
Purchases
82
Best buy
$6,666 · Apr 1, 2020
Year-by-year breakdown
| Year | Total invested | Value at year end | ROI |
|---|---|---|---|
| 2020 | $3,000 | $8,852 | +195% |
| 2021 | $6,000 | $17,294 | +188% |
| 2022 | $9,000 | $8,064 | -10.4% |
| 2023 | $12,000 | $25,362 | +111% |
| 2024 | $15,000 | $60,609 | +304% |
| 2025 | $18,000 | $59,438 | +230% |
| 2026 (YTD) | $20,500 | $59,194 | +189% |
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 $82,920 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 14:24 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, 2020 be worth today?
Investing $250 every month from January 1, 2020 totals $20,500 across 82 purchases. At a bitcoin price of $82,920 (Oct 20, 2026, UTC) that stack is worth $59,194, a return of +189%. This page is rebuilt about once a day.
How much BTC would $250 per month since January 1, 2020 accumulate?
About 0.71387278 BTC (71,387,278 sats), at an average cost of $28,717 per BTC.
What is the annualized return of this DCA schedule?
The money-weighted annualized return (XIRR) is +30.9% per year. Along the way the stack's value fell as much as 70.2% 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.