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Interactive Tool

Bitcoin DCA Calculator

Model regular Bitcoin purchases over time. See how dollar-cost averaging grows across conservative, moderate, and aggressive return scenarios — built for Canadians.

Your Inputs

Monthly Investment $500 CAD
$50 $5,000
Investment Period 5 years
1 yr 10 yrs
Return Scenario
Conservative
10% / yr
Moderate
30% / yr
Aggressive
50% / yr
Chart shows all 3 scenarios
Portfolio Value
—
at 30% / yr
Total Invested
—
over 5 years
Total Return
—
gain on invested capital
Avg Cost / BTC
—
at current price
Portfolio Value Over Time — All 3 Scenarios
Conservative (10%)
Moderate (30%)
Aggressive (50%)
Contributions
Scenario Comparison at End of Period
Metric Conservative (10%) Moderate (30%) Aggressive (50%)
Portfolio Value — — —
Total Gain — — —
Return % — — —
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Start your Bitcoin DCA on Wealthsimple — free in 5 minutes

Commission-free recurring buys. FBTC (0.39% MER) and BTCX.B (0.40% MER) are both TFSA- and RRSP-eligible. Set it once, it runs automatically.

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Why DCA Works for Bitcoin

Bitcoin is volatile. DCA removes the timing question entirely — you buy more when prices are low, less when high. Over 4–5 years, most Canadians who DCA'd are sitting on strong average costs.

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Use Your TFSA Room First

2026 TFSA annual limit: $7,000. Lifetime cumulative room (if 18+ since 2009): $102,000. All Bitcoin ETF gains inside your TFSA are permanently tax-free — not deferred, completely exempt.

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Best ETFs for DCA in Canada

FBTC (Fidelity, 0.39% MER) and BTCX.B (CI Galaxy, 0.40% MER). Both are CAD-denominated, TFSA/RRSP-eligible, and commission-free on Wealthsimple. Skip IBIT — the FX conversion fee kills the advantage.

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Common Questions

What is dollar-cost averaging (DCA) into Bitcoin?▾
DCA means investing a fixed dollar amount at regular intervals — weekly, bi-weekly, or monthly — regardless of price. For Bitcoin, this removes the emotional question of "is now a good time?" You buy more when prices are low and less when high, which naturally lowers your average cost over time. Most Canadians do this via recurring buys on Wealthsimple using a Bitcoin ETF like FBTC or BTCX.B.
How does this DCA calculator work?▾
Enter your monthly investment amount in CAD and your investment period (1–10 years). The calculator models monthly compounding at three annual return scenarios: 10% (conservative), 30% (moderate), and 50% (aggressive). It shows your projected portfolio value, total invested, total return percentage, and a chart comparing all three scenarios over the full period.
Is DCA better than lump-sum investing in Bitcoin?▾
Historically for Bitcoin, lump-sum investing has outperformed DCA on average — because Bitcoin has trended upward over multi-year periods. But most Canadians don't have a lump sum available; they have monthly income. DCA is the natural approach for regular investors. It also removes psychological friction and prevents large mis-timed entries during peaks. For most people, DCA is the right strategy simply because it's the one they can actually execute consistently.
Should I DCA inside my TFSA, RRSP, or non-registered account?▾
TFSA first. All capital gains inside a TFSA are permanently tax-free — not deferred, completely exempt. Once your TFSA room is used, use your RRSP (contributions are tax-deductible; growth is tax-deferred). A non-registered account is your last resort — gains are taxable. The order matters a lot at larger portfolio values. If you're a first-time home buyer, an FHSA gives you tax-deductible contributions AND tax-free growth and is worth considering before a non-registered account.
Is 30% annual Bitcoin return a realistic assumption?▾
Bitcoin's realized 10-year compound annual growth rate has exceeded 100%, and its 5-year CAGR has been above 50%. The 30% moderate scenario is deliberately conservative — roughly one-third of Bitcoin's historical average. Use all three scenarios to model your range of outcomes. Past returns do not guarantee future results; Bitcoin is a volatile, high-risk asset and you could lose your entire investment.

⚠️ Not financial advice. This calculator is for educational purposes only. All projections are hypothetical and based on assumed annual return rates — they are not predictions or guarantees. Bitcoin is a volatile, high-risk asset; you may lose some or all of your investment.

Tax treatment depends on your personal situation. Consult a qualified financial advisor or tax professional before making investment decisions. TFSA contribution room limits are set by the CRA and vary by individual.