DCA Method

Thực hiện backtest phương pháp trung bình giá (dollar-cost averaging) trong tiền điện tử, cổ phiếu, ETF và hàng hóa với dữ liệu giá lịch sử thông qua một máy chủ MCP miễn phí. Không cần khóa API.

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Tài liệu

DCA Method

Free, open dollar-cost-averaging (DCA) calculators and backtests for crypto, stocks, and commodities. 15+ years of historical data sourced from Yahoo Finance and CoinLore. Educational content only — not financial advice.

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Calculators

  • Crypto DCA Calculator: Backtest dollar cost averaging into Bitcoin, Ethereum, Solana, and 160+ verified cryptocurrencies. Up to 11+ years of historical data.
  • Stocks & ETF DCA Calculator: Backtest DCA into 600+ US stocks and ETFs — the full S&P 500 plus SPY, QQQ, SCHD and 80 major funds, decades deep.
  • Commodity DCA Calculator: Backtest dollar cost averaging into 15 commodities — gold, silver, copper, platinum, oil, natural gas and more — back to 2000.
  • Portfolio DCA Builder: Build and backtest multi-asset DCA portfolios across crypto, stocks, and commodities. Compare allocation strategies.
  • Lump Sum vs DCA Calculator: Side-by-side comparison of lump sum investing versus dollar cost averaging, with statistical edge analysis.
  • Bitcoin Halving Cycles Calculator: Backtest DCA performance across each of Bitcoin's four halving cycles, with cycle-aligned overlays.
  • Compound Interest Calculator: Visualize how compound interest turns regular contributions into long-term wealth.
  • FIRE Calculator: Calculate your Financial Independence / Retire Early number with savings rate trajectory.
  • Savings Goal Calculator: Reverse-engineer the monthly contribution needed to hit a target by a target date.
  • Cost Basis Tracker: Compute weighted-average cost across multiple buys and track unrealized P&L.
  • DCA Out Calculator (Exit Strategy Planner): Plan a gradual exit: price-ladder or time-based DCA-out plans with scenario analysis, plus backtests of gradual selling vs sell-all vs hold across real BTC, ETH, S&P 500, and Gold history.

Original Research (free datasets, citable)

  • S&P 500 DCA Study: we simulated $100/month for 10 years into every current S&P 500 constituent with full history. Key findings: only ~35% of stocks beat a same-schedule SPY plan; the median stock returned far less than the index; ~1 in 10 stocks LOST money despite a decade of disciplined buying. Full per-stock dataset downloadable as CSV/JSON (attribution: link the study).
  • How Often Should You DCA?: weekly vs biweekly vs monthly tested on 10 years of real SPY and BTC closes with equal yearly contributions — the cadence gap is roughly a rounding error; automation matters, the calendar does not.
  • Lump sum vs DCA win rates: the "historical outperformance percentage" computed live from our validated series across every rolling window (SPY, BTC, Gold).

Embeddable Widget

Head-to-Head Comparisons (same $100/month on both assets, shared history only)

  • VOO vs VTI: overlay chart, rolling 5-year head-to-head win rate, side-by-side best/worst windows.
  • QQQ vs SPY: overlay chart, rolling 5-year head-to-head win rate, side-by-side best/worst windows.
  • VOO vs SPY: overlay chart, rolling 5-year head-to-head win rate, side-by-side best/worst windows.
  • SCHD vs VOO: overlay chart, rolling 5-year head-to-head win rate, side-by-side best/worst windows.
  • AAPL vs MSFT: overlay chart, rolling 5-year head-to-head win rate, side-by-side best/worst windows.
  • NVDA vs AMD: overlay chart, rolling 5-year head-to-head win rate, side-by-side best/worst windows.
  • BTC vs ETH: overlay chart, rolling 5-year head-to-head win rate, side-by-side best/worst windows.
  • ETH vs SOL: overlay chart, rolling 5-year head-to-head win rate, side-by-side best/worst windows.
  • BTC vs Gold: overlay chart, rolling 5-year head-to-head win rate, side-by-side best/worst windows.
  • Gold vs Silver: overlay chart, rolling 5-year head-to-head win rate, side-by-side best/worst windows.

Per-Asset DCA Pages (computed from real daily closes) — index: https://dcamethod.com/dca

Blog

About & Methodology

  • The DCA Method: What dollar cost averaging is, why it works, and when it doesn't.
  • Data & Methodology: How we source historical data, calculate returns, and handle dividends, splits, and inflation adjustments.
  • About: The project's purpose and editorial stance.
  • Disclaimer: Educational use, no financial advice, affiliate disclosure.

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