DCA calculator
XRP DCA calculator
Backtest a recurring XRP buy against real historical prices.
XRP was created by Ripple Labs to settle cross-border payments quickly and cheaply, and unlike Bitcoin or Ethereum, almost all of its supply already exists, with a large share held in escrow and released on a schedule.
Its price history includes a multi-year stretch where a US SEC lawsuit over whether XRP itself was a security weighed on the price, followed by a sharp re-rating once that overhang cleared.
Dollar cost averaging
$32,266.13
$20,716.13 · +179.36%- Invested
- $11,550.00
- Annualised (XIRR)
- +22.44%
- Avg cost / unit
- $0.4800
- Units held
- 23,923.9
- Max drawdown
- -80.85%
Lump sum on day one
$70,806.75
$59,256.75 · +513.05%- Invested
- $11,550.00
- Annualised (XIRR)
- +22.74%
- Avg cost / unit
- $0.2200
- Units held
- 52,500
- Max drawdown
- -95.86%
Perfect timing
HindsightYour whole $11,550.00 put in on the single cheapest day of the period.
$111,267.75
+$79,001.62 vs your DCA- Bought everything on
- 2020-03-12
- At a price of
- $0.1400
- Return
- +863.36%
Nobody can pick the exact bottom — this is the best case, not a plan you could follow.
Value over time · 360 daily points
| Date | Invested | Units | Value | P/L |
|---|---|---|---|---|
| 2017-11-09 | $25.00 | 113.636 | $25.00 | $0.00 |
| 2018-03-24 | $500.00 | 898.874 | $575.28 | $75.28 |
| 2018-08-06 | $975.00 | 1,736.73 | $712.06 | -$262.94 |
| 2018-12-19 | $1,450.00 | 2,985.14 | $1,044.80 | -$405.20 |
| 2019-05-03 | $1,950.00 | 4,547.14 | $1,409.61 | -$540.39 |
| 2019-09-15 | $2,425.00 | 5,994.91 | $1,558.68 | -$866.32 |
| 2020-01-28 | $2,900.00 | 7,991.95 | $1,918.07 | -$981.93 |
| 2020-06-11 | $3,400.00 | 10,417.9 | $1,979.40 | -$1,420.60 |
| 2020-10-24 | $3,875.00 | 12,469.3 | $3,242.01 | -$632.99 |
| 2021-03-08 | $4,350.00 | 13,825.6 | $6,498.01 | $2,148.01 |
| 2021-07-21 | $4,825.00 | 14,423.1 | $8,221.17 | $3,396.17 |
| 2021-12-03 | $5,325.00 | 14,927 | $13,732.86 | $8,407.86 |
| 2022-04-17 | $5,800.00 | 15,546.8 | $11,660.07 | $5,860.07 |
| 2022-08-30 | $6,275.00 | 16,759.6 | $5,530.68 | -$744.32 |
| 2023-01-12 | $6,775.00 | 18,021.5 | $6,848.19 | $73.19 |
| 2023-05-27 | $7,250.00 | 19,135.7 | $8,993.77 | $1,743.77 |
| 2023-10-09 | $7,725.00 | 20,011.6 | $10,005.79 | $2,280.79 |
| 2024-02-21 | $8,200.00 | 20,837.7 | $11,460.75 | $3,260.75 |
| 2024-07-05 | $8,700.00 | 21,765.3 | $9,359.08 | $659.08 |
| 2024-11-17 | $9,175.00 | 22,610.7 | $23,741.19 | $14,566.19 |
| 2025-04-01 | $9,650.00 | 22,819.1 | $48,832.90 | $39,182.90 |
| 2025-08-14 | $10,150.00 | 23,028 | $70,926.17 | $60,776.17 |
| 2025-12-27 | $10,625.00 | 23,225.6 | $43,431.95 | $32,806.95 |
| 2026-05-11 | $11,100.00 | 23,544.2 | $34,845.48 | $23,745.48 |
| 2026-09-13 | $11,550.00 | 23,923.9 | $32,266.13 | $20,716.13 |
Why DCA into XRP?
That regulatory episode makes XRP a good example of how a single external event — not just organic market moves — can dominate an asset's price for years. A lump sum bought right before or during that overhang would have shown a very different result than a steady recurring buy through it.
Frequently asked questions
- What is dollar-cost averaging into XRP?
- Dollar-cost averaging (DCA) means investing a fixed amount into XRP on a regular schedule — weekly, biweekly, monthly — regardless of the price that day, rather than trying to time a single entry point. Some buys land at a local high, some at a local low, and the average cost per unit smooths out over the whole period.
- How far back does the XRP price history go?
- Back to 2017-11-09 — pick "Max" to include its full history in the backtest.
- Does this include exchange fees?
- By default no — it's a 0% baseline so you can see the raw price effect first. Use the Exchange fee dropdown to add a percentage (a few common presets, or your own) and/or a flat fee per buy under Advanced options, and the DCA total updates to include them.