Why plan several coins together
Most people who dollar-cost average into crypto don't buy just one coin — they split a fixed monthly budget across a few, like Bitcoin, Ethereum and Solana. A single-coin calculator can't show what that whole plan does. This planner adds up every coin so you see your real combined position, plus a per-coin breakdown of what you put in versus the projected value.
The formula
Per coin: value = M × (((1 + r)n − 1) ÷ r) · r = annual return ÷ 12 · n = months
M is that coin's monthly amount. The combined value is the sum of every coin. Total invested = sum of (monthly × months). Projected gain = combined value − total invested.
Worked example
A common starter stack — $100 BTC + $60 ETH + $40 SOL per month ($200 total) for 5 years, at assumed returns of 10% / 12% / 15%:
- BTC: invested $6,000 → ≈ $7,744
- ETH: invested $3,600 → ≈ $4,900
- SOL: invested $2,400 → ≈ $3,543
- Total invested $12,000 → projected combined ≈ $16,187 (gain ≈ $4,187)
The returns are assumptions you set per coin — not promises. Change them to model conservative and optimistic scenarios.
A note from the maker
I built this because it's how I actually invest: a fixed amount into BTC, ETH and SOL every month, on a set day, regardless of price. Single-coin calculators never showed me the whole picture, so this one does. Treat the returns as scenarios, keep a cash buffer outside crypto, and only commit money you won't need for years. This is a planning tool, not financial advice.
Common mistakes to avoid
Assuming high returns for every coin — model conservative figures too. Over-weighting small, speculative coins. Forgetting that a token's price can fall to a fraction of its value. Investing money you may need soon. Treating the projection as a promise rather than one possible scenario.
Frequently asked questions
$100 BTC + $60 ETH + $40 SOL for 5 years — what could it become?
You invest $12,000 total; at 10%/12%/15% assumed returns the projection is about $16,187 (gain ≈ $4,187). Not guaranteed.
How is it calculated?
Each coin's monthly amount is compounded monthly at its own assumed return, then all coins are summed.
Are the returns guaranteed?
No — they're assumptions you choose. Crypto is volatile and can lose value.
Can I add more coins?
Yes, add a row per coin with its own monthly amount and return. Remove any row with the × button.
Is my data saved?
No. Everything runs in your browser; nothing is uploaded.