What If I Invested…

The question everyone secretly runs in their head — answered with real price history. Pick an amount, an asset, and a date. Then see what the disciplined version (monthly DCA) would have done with the same money.

· Interactive · The time machine

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Regret is not a strategy

Every result on this page comes with survivor bias built in: you already know these assets made it. The investor of 2017 didn't — they were choosing between Bitcoin, and a hundred coins that went to zero, with headlines screaming both directions. Hindsight flattens that uncertainty into an “obvious” win.

The useful takeaway isn't “I should have bought then” — it's that the DCA line below every result was achievable withoutclairvoyance: no timing, no conviction at the bottom, just a schedule. If the what-if number stings, that's the plan it's pointing you toward. Set it up properly with the step-by-step guide.

FAQ

How does the what-if calculator work?

Pick an asset, an amount, and a past date. The calculator buys at the first real daily close on or after that date and values the position at the latest close in our dataset — plus a comparison line showing the same total invested as equal monthly DCA instalments over the same window.

Which assets and dates are supported?

Bitcoin (from 2014), Ethereum (2017), Solana, Dogecoin, SPY, QQQ, Apple, NVIDIA, Tesla, and gold — each from the start of its reliable daily price history to today.

Are the results realistic?

They use genuine daily closing prices but exclude fees, spreads, taxes, and (for stocks) dividends — so stock results are slightly conservative and crypto results slightly optimistic. Treat them as an honest approximation, not accounting.

What's the point of the DCA comparison?

Hindsight always says "you should have gone all-in at the bottom." The DCA line shows what a realistic, non-clairvoyant plan — equal monthly buys — would have produced on the same window. That's the strategy you can actually start today.

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Design the plan the what-if number is pointing you toward.
Bitcoin DCA calculator
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S&P 500 DCA calculator
The boring index version of the same idea.
DCA vs lump sum: the data
Why the lump sum usually wins the backtest but loses the human.