Crypto Investment Calculator — Long-Term Investment Performance
Crypto Investment Calculator
Backtest a long-term crypto plan using historical monthly prices. Choose a coin, select a start and end year, add recurring contributions, and see how the position could have grown with monthly compounding.
Crypto investment growth over time
Results summary
2015 ➜ 2026
| Year | Contributions | Growth | Balance |
|---|---|---|---|
| 2015 | $2,200 | $1,826.60 | $4,026.60 |
| 2016 | $1,200 | $6,008.81 | $11,235.41 |
| 2017 | $1,200 | $161,766.37 | $174,201.78 |
| 2018 | $1,200 | -$128,734.14 | $46,667.64 |
| 2019 | $1,200 | $43,282.08 | $91,149.72 |
| 2020 | $1,200 | $278,720.97 | $371,070.69 |
| 2021 | $1,200 | $221,499.16 | $593,769.85 |
| 2022 | $1,200 | -$382,038.98 | $212,930.87 |
| 2023 | $1,200 | $331,637.40 | $545,768.27 |
| 2024 | $1,200 | $661,324.55 | $1,208,292.82 |
| 2025 | $1,200 | -$76,709.60 | $1,132,783.22 |
| 2026 | $1,200 | -$71,884.70 | $1,062,098.52 |
About this crypto investment calculator
This crypto calculator backtests a long-term investing plan using historical monthly prices from Yahoo Finance. Choose a coin, a time window, and a contribution schedule to see how your position could have evolved with monthly compounding. Results include a yearly breakdown and a stacked chart so you can compare your contributions with market-driven growth.
Assumptions and limitations
Supported coins
This version supports major assets, including Bitcoin (BTC), Ethereum (ETH), Binance Coin (BNB), Solana (SOL), Dogecoin (DOGE), Cardano (ADA), Chainlink (LINK), TRON (TRX), Bitcoin Cash (BCH), Stellar (XLM) and Litecoin (LTC). The earliest start year depends on how far the historical data goes for that coin.
How it works
For the selected coin we pull historical monthly price data (Yahoo Finance), convert month-to-month price changes into returns, normalize your contributions to a monthly pace, and apply monthly compounding to simulate growth.
- Returns: built from consecutive monthly closing prices.
- Compounding: applied monthly to principal plus past growth.
- Contributions: daily through annual contributions are converted to an equivalent monthly flow.
- Extension: if you go past the last data year, we use your annual assumption converted to monthly.
Why monthly data?
Crypto trades 24/7, but most long-term investing plans are recurring. A monthly series keeps the schedule readable and consistent with regular investing. Intraday and daily swings are not modeled here.
Interpreting the results
- The yearly breakdown shows contributions and growth per calendar year.
- The stacked chart shows the split between starting amount, contributions, and growth.
- Large jumps or slow years usually reflect real market cycles for that asset.
Example scenario
Suppose you invested $100 per month in Bitcoin from 2016 to 2024. The calculator compounds monthly returns, adds your contributions, and summarizes the outcome by year. You can see how volatility affects results and how recurring investing changes the path.
Usage tips
- Compare coins: switch the coin to see how different assets behave over the same window.
- Use longer horizons: short windows can look noisy. Longer windows show compounding more clearly.
- Test future assumptions: if you extend beyond real data, try 0%, 5% or 10% to explore scenarios.
- Reinvestment: all growth is compounded. Staking rewards and airdrops are not modeled separately.
Important limitations
- Prices come from Yahoo Finance. Other exchanges may differ slightly, especially for older periods.
- Trading fees, taxes, spreads and slippage are not included.
- Currency is display-only. Historical FX is not reconstructed.
- Historical crypto performance is volatile and does not guarantee future results.
Want to model traditional investing?
- Classic projection: open the Investment Calculator (Classic).
- Goal mode: try the Investment Calculator (Goal).
- Reality check: use the S&P 500 backtest.