Growth Over Time
Performance Metrics
Total Invested
$7,500.00
Current Value
$33,913.89
Total Profit
$26,413.89
Multiplier
4.52x
CAGR
28.6%
Max Drawdown
-53.2%
Inflation-Adjusted
$27,427.86
Benchmark Comparison
How does $7,500.00 invested in 2020 compare across different asset classes?
| Asset | Value Today | Return |
|---|---|---|
| BITCOIN | $33,913.89 | 4.52x |
| S&P 500 | $0.00 | 0.00x |
| Gold | $0.00 | 0.00x |
| Savings (2% APY) | $8,446.22 | 1.13x |
Historical Context
Dollar-cost averaging (DCA) is the strategy most financial advisors recommend — and it's particularly interesting in the context of Bitcoin's extreme volatility. Starting in January 2020 at ~$7,200, a disciplined $100/month Bitcoin buyer would have navigated the COVID crash, the 2021 bull run, the 2022 bear market, and the 2024 recovery.
The beauty of DCA is that it removes the timing question. You don't need to guess bottoms or tops. When Bitcoin crashed to $16,500 in late 2022, the DCA buyer was accumulating more Bitcoin per dollar than ever — effectively loading up at discount prices while lump-sum investors agonized over their unrealized losses.
Since January 2020, approximately $6,200 has been invested ($100 x 62 months through February 2025). The DCA approach meant buying at $7,200, at $60,000, at $16,500, and everywhere in between — resulting in a blended average cost that smooths out Bitcoin's wild swings.
Frequently Asked Questions
Dollar-cost averaging $100/month into Bitcoin from 2020 through 2026 would have totalled $7,500.00 in contributions. At current prices, that position would be worth approximately $33,913.89 — a 4.52x return and $26,413.89 in profit.
Methodology & Sources
Price data: Historical prices are January 1 opening prices (split-adjusted where applicable) sourced from CoinGecko and CoinMarketCap historical snapshots. Current prices are live via the CoinGecko API with fallback values.
Calculation: Monthly DCA purchases are modeled using the January 1 price for each year. This simplification assumes all monthly purchases within a year occur at the year-start price.
Benchmarks: S&P 500 comparison uses January 1 index levels. Gold uses spot price per troy ounce. Savings account assumes a 2% APY compounded annually (historically representative average).
Inflation adjustment: Uses the U.S. Consumer Price Index (CPI-U) annual averages from the Bureau of Labor Statistics. The 2025 CPI value is estimated.
This analysis is for educational and entertainment purposes only. Past performance does not guarantee future results. This is not financial advice. Always do your own research and consult a qualified financial advisor before making investment decisions.