What if you invested $20 a month in Bitcoin from 2023?
Money left sitting in a bank account quietly loses ground year after year. This is that same money, moved on a plain schedule instead: $20 every month from 1 January 2023 to November 11, 2026 stacks 0.0183 BTC (1,833,667 sats), and the stack is worth $1,351 at the latest close.
That is 1.4x the money put in (+44%), from 47 buys of $20. The latest close in the series is $73,684 on November 11, 2026.
Orange: what the stack was worth. Grey: money put in so far.
Year by year
| Year | Invested | Bitcoin bought | Value at year end |
|---|---|---|---|
| 2023 | $240 | 0.0090 BTC | $379 |
| 2024 | $240 | 0.0040 BTC | $1,205 |
| 2025 | $240 | 0.0024 BTC | $1,340 |
| 2026 (so far) | $220 | 0.0030 BTC | $1,351 |
What this shows a saver
This plan made 47 buys and needed no decision after the first one. The average buy price across the whole run was $51,263, against a latest close of $73,684. Nobody picking dates by hand buys at the average; a fixed schedule is how a saver actually ends up there.
The weak years are part of the record, not a footnote. At the end of 2026 the stack was worth $1,351 on $940 put in, the softest year-end of the run. By the end of 2024 it was worth $1,205 on $480 put in. The plan did not change between those two lines. The price did, and the schedule kept buying through both.
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More replays of this plan
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How this replay works
Replayed on daily Bitcoin prices (source: Coinbase, via btcdollarcostaverage.com) from 1 January 2023. The first available price buys immediately; after that, buys land on the 1st of each month. No fees, spread or taxes are included, and a real purchase costs a little more than the simulation.
This page replays past prices. It does not buy, sell or hold Bitcoin, and it cannot know future prices. Education only, not financial advice. Past performance does not predict future results.