A crypto growth calculator estimates what an investment could be worth after a set period, given a starting amount, regular contributions and an assumed annual return. The results are illustrations, not forecasts: crypto returns are volatile and uneven, so real outcomes can be much higher or lower, including large losses.
How much could a crypto investment grow?
Enter your own numbers. Every result is a hypothetical illustration based on a constant return you choose; it is not a forecast or a promise of returns.
| Assumed annual return | Illustrative value |
|---|---|
| -30% | $1,673.22 |
| -10% | $3,899.75 |
| 0% | $6,500.00 |
| +8% | $10,085.68 |
| Year | Total put in | Illustrative value |
|---|---|---|
| 1 | $1,100.00 | $1,161.69 |
| 2 | $1,700.00 | $1,876.32 |
| 3 | $2,300.00 | $2,648.12 |
| 4 | $2,900.00 | $3,481.67 |
| 5 | $3,500.00 | $4,381.90 |
| 6 | $4,100.00 | $5,354.14 |
| 7 | $4,700.00 | $6,404.17 |
| 8 | $5,300.00 | $7,538.20 |
| 9 | $5,900.00 | $8,762.95 |
| 10 | $6,500.00 | $10,085.68 |
What does the calculator show for $10 a week?
This worked example needs no calculator. It compares investing $10 every week for five years (260 purchases, $2,600 in total) with putting $1,000 in once and leaving it for five years, at constant hypothetical annual returns. Small regular amounts are covered in our guide to investing in crypto from $10.
| Assumed annual return | $10 a week ($2,600 put in) | $1,000 lump sum |
|---|---|---|
| -30% | $1,217.04 | $168.07 |
| -20% | $1,570.10 | $327.68 |
| 0% | $2,600.00 | $1,000.00 |
| +5% | $2,943.20 | $1,276.28 |
| +10% | $3,327.81 | $1,610.51 |
| +20% | $4,237.41 | $2,488.32 |
How is crypto growth calculated?
For a single purchase, return on investment (ROI) = (current value - amount invested) / amount invested x 100. Investing $1,000 that grows to $2,500 is a 150% ROI.
With regular contributions, each payment compounds from the day it is added. The calculator converts your annual return into a per-period rate r = (1 + annual return)^(1/periods per year) - 1 and applies: future value = starting amount x (1 + r)^n + contribution x ((1 + r)^n - 1) / r, with contributions added at the end of each period. The SEC's Investor.gov compound interest calculator uses the same principle.
Why do volatile returns differ from the average?
A constant return hides how crypto actually moves. Suppose $1,000 rises 60% in year one and falls 50% in year two. The simple average return is +5% a year, yet you end with $800, a 20% loss. A steady 5% a year would have produced $1,102.50. Large swings in both directions reduce compound growth, which is why what drives crypto volatility matters for any projection.
Does dollar-cost averaging beat a lump sum?
Dollar-cost averaging means investing equal amounts at regular intervals, so you buy more units when prices are low and fewer when they are high. The example below invests $400 over four months at hypothetical prices, either $100 a month or all at once in month one.
| Price path | $100 a month | $400 in month one |
|---|---|---|
| Prices dip, then recover ($100, $50, $80, $100) | 5.25 units, average cost $76.19, worth $525 | 4 units bought at $100, worth $400 |
| Prices rise from the start ($50, $80, $100, $100) | 5.25 units, average cost $76.19, worth $525 | 8 units bought at $50, worth $800 |
Neither method wins every time. Our guide to dollar-cost averaging in crypto covers when each approach tends to suit investors.
What are the calculator's assumptions and limitations?
- Constant return: real crypto returns are uneven, and losses of 70-80% from a peak have happened to Bitcoin, according to BlackRock.
- No costs: fees, spreads, network fees, taxes and inflation are ignored; reduce the return to approximate them.
- Regular contributions: every payment is assumed to be made on time at the end of each period.
- No yield: growth comes only from price changes. Some proof-of-stake tokens pay staking rewards, but Wealtii funds do not stake, lend or earn yield on their holdings.
- Not a forecast: results do not use any fund's past performance. Any multi-year return shown for Wealtii's funds is a hypothetical backtest of the current allocation, not actual fund performance. Past performance does not guarantee future results.
To see how a growth assumption fits within a whole portfolio, try the portfolio allocation calculator.
Using the calculator with a Wealtii fund: Wealtii charges 0% platform fees during its early-adopter promotion and no management fee, but network fees (typically under $0.50 on BNB Smart Chain) and trading price impact apply to each purchase, so model small weekly amounts with a slightly lower return. Read the beginner's guide to crypto index funds and the Wealtii fee schedule before investing. Wealtii is not regulated.
Frequently Asked Questions
How do you calculate crypto investment growth?
Return on investment is (current value minus amount invested) divided by amount invested, times 100. With regular contributions, each contribution compounds from the date it is added: future value = starting amount x (1 + r)^n + contribution x ((1 + r)^n - 1) / r, where r is the return per period and n the number of periods.
What annual return should I assume for crypto?
There is no reliable figure. Crypto has produced very large gains and losses, and BlackRock notes Bitcoin sell-offs of 70-80% from peak to bottom. Run several scenarios, including negative ones, and treat every result as an illustration rather than a forecast.
Is dollar-cost averaging better than investing a lump sum?
Not always. Dollar-cost averaging buys more when prices are low and less when they are high, which smooths your average entry price, but if prices rise steadily a lump sum invested at the start ends up larger. The worked example on this page shows both outcomes.
Does this crypto growth calculator include fees and taxes?
No. It assumes a constant return with no fees, spreads, taxes or inflation. To approximate costs, lower your assumed annual return by your expected annual costs, and remember that fixed fees take a larger share of small purchases.
Sources & References
- SEC Investor.gov — Compound Interest Calculator (accessed 21 Oct 2026)
- SEC Investor.gov — Dollar Cost Averaging (accessed 21 Oct 2026)
- BlackRock — Sizing bitcoin in portfolios (11 Dec 2024) (accessed 21 Oct 2026)
Disclaimer: This content is for educational purposes only and does not constitute financial, tax, or legal advice. All calculator results and examples are hypothetical illustrations, not forecasts. Digital assets are volatile and you can lose some or all of your money. Past performance does not guarantee future results. Wealtii is not licensed or registered with any financial regulator; see our regulatory status page.
