Stop guessing whether your DCA plan makes sense. Test it first.
Run your exact dollar-cost-averaging strategy against real historical price data — in under 60 seconds. Then stress-test it with Monte Carlo, true return, and every alternative strategy.
Most DCA content never answers it.
People online love to say "just DCA." That is not the hard part. The hard part is knowing whether your version of DCA makes sense.
If you had invested $500/month into BTC starting in January 2021, where would you be today?
If you had bought more aggressively during major drawdowns, would that have improved the result or made the ride worse?
If you were spreading capital across 5 or 10 assets, would your weighting have held up through 2022?
If you plan to scale out as risk rises, what would that have looked like in practice?
Most people debating these questions have never actually tested their plan.
So they do one of two things. They copy someone else's strategy and hope it holds up. Or they wait for the "right time" and never build position at all.
Neither approach is systematic.
The system was fine. The interface wasn't.
For two years I ran my own investing system in a spreadsheet. Signals got buried under columns I didn't need. So I built the tool I wish had existed when I started.
For two years I ran my own investing system in a 23-column spreadsheet. The system itself was fine — the risk-first framework that underlies everything I teach. What kept failing was the interface.
A position would hit high risk during a busy week. The row would get buried under twenty other fields I didn't need. I'd miss the signal and give back half the gain before I noticed.
The system was fine. The interface wasn't.
DCA Simulator Pro is the tool I wish had existed when I started — the thing that lets a working investor test a real plan against real history without maintaining a fragile spreadsheet or trusting someone else's YouTube backtest.
DCA Simulator Pro.
Run your exact investing plan against real market history across crypto, equities, and multi-asset portfolios. Choose the asset, the timeframe, the contribution schedule, the rules, and the position sizing.
/ Buy-the-Dip · BTC
The simulator shows you what would have happened in dollars, percentages, drawdowns, and portfolio behavior — before you commit capital.
This is not a prediction tool. It is a decision-support tool for investors who want to think clearly, test assumptions, and stop relying on guesswork.
Choose your asset(s), timeframe, and contribution rules.
Crypto, equities, or both. Equal cadence or variable. Whatever your real plan is.
Run the simulation and review returns, drawdowns, and behavior in past markets.
The output is what would have happened — in dollars, percentages, and worst-case days.
Adjust your plan until the profile matches your risk tolerance and goals.
Iterate until the worst case is one you can actually live through.
More than a calculator — a decision engine.
Eight ways to invest, six ways to analyze, full real-world modeling, and an engagement layer that keeps you coming back. Here’s everything.
Equal DCA
Invest a fixed amount on a schedule and watch cost-basis vs. value over time.
Lump sum compare
Does “time in the market” beat DCA? Compare side by side for any window.
Dynamic DCA
Risk-based sizing — buy more when fear is high, less when greed runs hot.
Buy the dip
Only deploy on drawdowns past your threshold; park the rest on the sidelines.
Custom portfolio
Up to 10 assets with weights and rebalancing — model a whole allocation.
Take profit / exit
Sell-half rules and scheduled extraction so discipline works on the way up.
Value averaging
Target a growing portfolio value — buy more after dips, less after rallies.
Future projections
Project a continued plan forward at an expected growth rate over 10–50 years.
Monte Carlo
Hundreds of simulated futures — median, range, and odds of beating contributions.
True return (XIRR)
Money-weighted return that accounts for the timing & size of every contribution.
Best/worst start date
Replays your plan from every historical month — how often did DCA still win?
Institutional risk metrics
Sharpe, volatility, max drawdown, win-rate — the numbers pros actually use.
Monthly return heatmap
See seasonality and the best/worst months at a glance.
Best day to buy
Which weekday historically gave the best average return for your asset.
DRIP, fees & taxes
Auto dividend reinvestment, trading fees, and STCG/LTCG tax-lot calculations.
Inflation & multi-currency
Toggle real (inflation-adjusted) values and view results in your currency.
Full asset database
250 crypto, the S&P 500, and 29 commodities — nearly 800 assets with real price history.
AI Optimize
Let the simulator search for the parameters that would have worked best.
Challenges & leaderboard
Survive history’s worst crashes as a game — levels, badges, streaks, leaderboard.
Investor Profile quiz
A 2-minute quiz that routes you to the strategy that fits how you actually behave.
Share & email results
One-click share cards, emailed snapshots, and shareable links that reopen your run.
PDF / CSV & white-label
Export full reports and CSV data, or generate branded client PDFs.
Built for busy professionals.
DCA Simulator Pro is built specifically for busy professionals — engineers, accountants, doctors, and operators — who want their money to work in the background without becoming full-time day traders.
Yes, this is for you
- Investors actively building positions who want to validate their process before committing larger capital.
- Professionals who want a systematic way to test plans without spending hours managing fragile spreadsheets.
- Newer investors who want to learn by comparing real historical outcomes instead of opinions.
No, this is not for you
- Day traders looking for intraday signals.
- Anyone looking for asset recommendations or "what to buy."
- Investors who have no interest in testing strategy and just want a one-click guaranteed outcome.
The simulator runs your plan. It does not replace judgment.
What unlocks at Pro.
Equal DCA is free forever. Everything below is what Pro adds — every engine, every scenario, every export.
Simple pricing. Pick your plan.
A fee-only planner charges $300–500/hr to stress-test one plan, once. This is the tool you keep — start free, upgrade when you want the advanced analytics.
Pro Monthly
- Everything in Free
- Monte Carlo projections
- Money-weighted return (XIRR)
- Value Averaging & Start-Date Analysis
- Daily/weekly frequencies, full asset database
- DRIP, taxes, inflation, multi-currency
- PDF / CSV export & screenshots
Pro Annual
- Everything in Pro Monthly
- All future Pro features included
- Saved scenarios & shareable links
- Investor Profile insights
- Priority support
Pro Lifetime
- Everything in Pro Annual
- One payment, lifetime access
- All future updates & datasets
- Best for long-term DCA investors
Not ready to upgrade? Start free — basic DCA, the challenge game, and shareable results, no card required.
14-day refund on any paid plan. No form, no "why are you leaving?" flow. Educational tool — not financial advice.
The questions that come back every week.
If yours isn't here, email [email protected] — we read everything.
Q · 01Can't I just build this in a spreadsheet?+
For a single asset and flat monthly buys, yes. I did that for two years.
For multi-asset portfolios, conditional entries, exits, scenario testing, and repeatable comparisons, spreadsheets get messy fast. This tool exists to make that process faster, cleaner, and easier to trust.
Q · 02Is the data accurate?+
The simulator uses historical market data and shows the date range and source behind each run. No black box. No hidden smoothing. You can see what period is being tested.
Q · 03Will this tell me what to buy?+
No. That is intentional. The simulator helps you test a plan on assets you choose. It does not make asset recommendations.
Q · 04What if I'm a beginner?+
Start with the free version. Use the Equal DCA engine, learn the workflow, and upgrade only when you want deeper strategy testing.
Q · 05Do I need to install anything?+
No. It runs in your browser.
Q · 06Is this financial advice?+
No. DCA Simulator Pro is an educational tool. It runs hypothetical scenarios on historical data. It does not make recommendations, predict future results, or replace professional financial advice.