Crypto DCA Break-Even Calculator

See the price your DCA plan needs to break even, how far today’s price has to rise, and how many more buys it takes to bring that price closer.

Where you are now

Per coin, as your exchange shows it.

Optional, on each buy and the sale.

If you keep buying

Each future buy, at today’s price.

Optional. Blank finds the buys to halve the rise.

Your break-even

Enter what you have invested, your average buy price, today’s price and the amount of each future buy, then choose Calculate. Your figures appear here.

Rise Needed

0%

From today’s price to break-even

Loss Today

₹0.00

If you sold at today’s price

Buys to Halve the Rise

–

At today’s price

Lowest Break-Even

₹0.00

However many buys you add

Break-Even Price

₹0.00

The sell price that gets your money back

Assumes every future buy is at today’s price; real prices will move. Buying more also puts more money at risk. For the sell price on a single trade, use the Crypto Break-Even Calculator.

How it is calculated

Buying more at a price below your average pulls the average down, so the price has less far to rise for you to break even.

  • Coins held = total invested ÷ average buy price
  • Break-even price = total invested ÷ (coins held × (1 − fee)), the sell price that gets back every rupee put in
  • Rise needed = break-even price ÷ today’s price, minus 1
  • After k more buys = invested + k × amount per buy, over coins held + k × amount per buy × (1 − fee) ÷ today’s price
  • Buys to a target rise = the smallest k whose break-even is no more than today’s price × (1 + target rise)
  • Lowest break-even = today’s price ÷ (1 − fee)², which buying more approaches but never passes

Frequently asked questions

Short answers on breaking even on a crypto DCA plan.

How far the price must rise for a DCA plan in loss to get back to even, and how buying more at today’s price changes that. Say you have put ₹1,00,000 into Bitcoin at an average of ₹50,00,000 and it is now ₹40,00,000. Your holding is worth ₹80,000, a loss of ₹20,000, and the price must rise 25% to break even.

Each buy at today’s lower price brings your average down. Keep buying ₹10,000 at ₹40,00,000 and after 8 more buys your break-even is ₹45,00,000, so the rise needed has halved to 12.5%. After 12 buys it is ₹44,00,000, a 10% rise. The table shows the break-even after 1, 3, 6, 12 and 24 more buys.

Because each new buy is made at today’s price, the average can only approach it, never pass it. With no fees, the rise needed shrinks towards 0% but never reaches it. With a fee on buying and selling, the floor is today’s price ÷ (1 − fee)²; at 0.5% that is a rise of about 1.01%.

It lowers the price you need, but it also puts more money into something that has fallen, which only pays off if the price recovers. Averaging down works for a plan you would make anyway; it is risky as a way to rescue a loss. Decide how much more you are prepared to put in before using the table.

Fees do: the fee on selling, and on each new buy, raises the price you need. Enter your exchange fee per trade to include it. Tax does not, because India’s 30% tax only applies to a profit, and at break-even there is none. The 1% TDS deducted on the sale is a credit against your tax, so it delays money rather than costing it. For the full tax on a sale, use the India Crypto Tax Calculator.

Many exchanges show it in the portfolio or holdings page. If yours does not, add up what you paid for each buy and divide by the coins you hold, or use the Average Buy Price Calculator with your buys.

The Crypto Break-Even Calculator works out the sell price for a single trade, including tax. The Crypto DCA Return Calculator measures the yearly return on a plan. This one shows how buying more changes the price you need to break even.

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