XRP (Ripple) DCA calculator: XRP vs Bitcoin
$50 a week into XRP from 9 November 2017, the first close in this data, to 7 October 2026 put in $23,250 and would be worth $68,093. The same $50 a week into Bitcoin would be worth $120,584, so Bitcoin finished $52,491 ahead. Change the amount, schedule and dates below.
$50 a week into XRP from 9 November 2017 to 7 October 2026 put in $23,250 and would be worth $68,093 (+192.9%).
The same schedule into Bitcoin would be worth $120,584 (+418.6%), so Bitcoin finished $52,491 ahead.
| Measure | XRP | Bitcoin |
|---|---|---|
| Invested | $23,250 | $23,250 |
| Worth on 7 Oct 2026 | $68,093 | $120,584 |
| Gain | +192.9% | +418.6% |
| Yearly return | +23.3% | +35.5% |
| Purchases | 465 | 465 |
| Held | 47,908.9 XRP | 1.448005 BTC |
| Average price paid | $0.4853 | $16,056.57 |
| Worst point vs cost | −60.4% on 12 Mar 2020 | −56.3% on 15 Dec 2018 |
Where the XRP data starts
The daily closes come from Yahoo Finance's XRP-USD series, which begins on 9 November 2017 and runs to 7 October 2026. XRP was trading for years before that date, so its earliest history is not in this series. A plan dated earlier starts on the first close; purchases scheduled before it are neither made nor counted as invested. Nothing is added for fees, lending or any yield: the figures are the price of XRP alone, as for every coin here.
Bitcoin vs XRP (Ripple), by start year
$50 a week, the same dollars on the same dates into each, from each start to 7 October 2026. Bitcoin finished ahead from 5 of the 9 start dates, XRP from 4. The last column is the lowest the XRP plan fell against what had been paid in.
| Start | Put in | XRP | Bitcoin | XRP worst vs cost |
|---|---|---|---|---|
| 9 Nov 2017 | $23,250 | $68,093 | $120,584 | −60.4% |
| 1 Jan 2018 | $22,900 | $66,093 | $117,258 | −61.3% |
| 1 Jan 2019 | $20,300 | $59,057 | $85,838 | −51.5% |
| 1 Jan 2020 | $17,700 | $46,873 | $51,161 | −40.8% |
| 1 Jan 2021 | $15,050 | $30,815 | $29,323 | −53.1% |
| 1 Jan 2022 | $12,450 | $25,390 | $24,535 | −49.9% |
| 1 Jan 2023 | $9,850 | $17,473 | $15,872 | −16.8% |
| 1 Jan 2024 | $7,250 | $9,818 | $7,949 | −23.8% |
| 1 Jan 2025 | $4,650 | $3,680 | $4,498 | −49.0% |
Start dates are not independent trials: every row shares the years after it, so the recent ones decide much of every older row too. Read the table as one history seen from several doors, not as a win rate.
Ripple or XRP: which one is this?
People search for a “Ripple DCA calculator” and mean this one, but Ripple and XRP are two different things. Ripple (Ripple Labs) is a US company that builds payment products. XRP is the digital asset that trades on exchanges, and the one you can actually buy. Every figure on this page is XRP's price, from Yahoo Finance's XRP-USD series; there is no separate “Ripple” price to simulate. “Ripple vs Bitcoin” is, in practice, XRP vs Bitcoin — which is the table above.
What DCA did through XRP's drawdowns
XRP's worst fall in this data was 95.9%, from $3.3778 on 7 January 2018 to $0.1396 on 12 March 2020. Bitcoin's worst over the same years was 83.4%, from 16 December 2017 to 15 December 2018.
A plan buying $50 a week from the first close was worth $4,156 at XRP's peak and $2,437 at the bottom — a 41.4% fall in the balance while the price fell 95.9%, because the plan kept buying on the way down. At the bottom it was 60.4% below the $6,150 paid in. Its longest stretch below cost ran 509 days, from 30 June 2019 to 19 November 2020; the same schedule in Bitcoin spent at most 368 days below cost.
That is what a schedule does and does not do. It kept buying through the fall, so the plan came out of it holding more XRP than it went in with; it did not stop the balance falling. How long buyers stayed underwater on Bitcoin is measured start date by start date in how long Bitcoin DCA stayed underwater.
Common questions
- Would DCA into XRP have beaten Bitcoin?
- It depends on the start date. With $50 a week to 7 October 2026, Bitcoin finished ahead from 5 of the 9 start dates, XRP from 4. From the first close in this data, 9 November 2017, XRP would be worth $68,093 and Bitcoin $120,584. That is history, not a forecast.
- How far back does the XRP data go?
- To 9 November 2017, the first day of Yahoo Finance's XRP-USD series. XRP was trading for years before that date, so its earliest history is not in this series.
- Are fees or staking rewards included?
- No. Fees, spreads and taxes are excluded. Nothing is added for fees, lending or any yield: the figures are the price of XRP alone, as for every coin here.
- What did XRP's worst crash do to a DCA plan?
- XRP's worst fall in this data was 95.9%, from $3.3778 on 7 January 2018 to $0.1396 on 12 March 2020. Bitcoin's worst over the same years was 83.4%, from 16 December 2017 to 15 December 2018. A plan buying $50 a week from the first close was worth $4,156 at XRP's peak and $2,437 at the bottom — a 41.4% fall in the balance while the price fell 95.9%, because the plan kept buying on the way down. At the bottom it was 60.4% below the $6,150 paid in.
How this is calculated
Every figure on this page is computed by the same engine the simulator runs, from daily closes in US dollars — the feeds, their first readings and refresh times are on the sources page. Purchases are made at the close of the day they are scheduled for, or the next close when there is none. Fees, spreads and taxes are excluded. Nothing here is projected forward. The calculator above reruns that engine in your browser when you change an input; the result printed with the page is the same calculation, made when the page was built.