Calculadora DCA — Promedio de Costo en Dólares Cripto

¿Qué es el DCA?

Dollar Cost Averaging (DCA) es una estrategia donde invierte un monto fijo a intervalos regulares. Cuando el precio baja, compra más; cuando sube, compra menos.

DCA elimina la necesidad de predecir el fondo del mercado, reduciendo el impacto de la volatilidad.

DCA es la estrategia más recomendada para nuevos inversores cripto.

Fórmula DCA

The core DCA calculation:

Avg Cost = Total Invested ÷ Total Units Acquired

Units per period = Investment Amount ÷ Price at that period. P/L = (Current Price − Avg Cost) × Total Units.

DCA vs Inversión Única

In a perfectly rising market, lump sum wins because money is invested immediately. But in volatile, uncertain markets — which crypto always is — DCA usually produces better risk-adjusted returns.

Factor	DCA	Única
Timing risk	Low — spread across periods	High — all at one price
Emotional stress	Low — automated, no FOMO	High — fear of bad entry
Best in bear market?	✅ Yes — buys more at lower prices	❌ No — full exposure to drop
Best in bull market?	Average — misses some upside	✅ Yes — full exposure to rally

Estrategias DCA para cripto

The best DCA frequency depends on the asset and your budget. Here are recommended approaches for popular cryptocurrencies:

Asset	Recommended Frequency	Notes
BTC	Semanal	Most proven. Weekly DCA over 4+ years has never lost money.
ETH	Mensual	Strong fundamentals. Monthly works well for mid-term holdings.
SOL	Quincenal	Higher volatility. Bi-weekly captures more price swings.
Stablecoin Yield	Mensual	Monthly into DeFi protocols for steady yield.