Calculateur DCA — Lissage de Coût Crypto

Qu'est-ce que le DCA ?

Le DCA est une stratégie où vous investissez un montant fixe à intervalles réguliers. Quand le prix baisse, vous achetez plus ; quand il monte, moins.

Le DCA élimine le besoin de prédire le creux du marché, réduisant l'impact de la volatilité.

Le DCA est la stratégie la plus recommandée pour les nouveaux investisseurs crypto.

Formule 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 Investissement Unique

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	Unique
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

Stratégies DCA Crypto

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

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