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Bitcoin Investment Calculator

What would your bitcoin be worth? Pick a coin, an amount and a buy date. The calculator uses real daily closing prices from the Bybit exchange, from each coin's first trading day there through September 24, 2026.

Value
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Profit
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Return
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Worst drop
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Buy date:

Loading real prices...

Line: the value of the purchase at each daily close. Dashed: the amount invested. Gold dot: highest value. Red dot: lowest value.

Details

    Bought on the first day of each year

    How the bitcoin investment calculator works

    Enter the dollar amount you would have invested, the day you would have bought and the day you would have sold. The calculator looks up the real closing price on both days, works out how many coins your money would have bought and values them at the sell price. It also walks through every daily close in between, so you can see the highest and lowest value your purchase reached and the largest drop from a high along the way.

    Prices are daily closes from the Bybit spot market, one close per UTC day, downloaded from Bybit's public market data with the open-source ccxt library. Nothing is estimated. If you pick a date outside the stored history, the calculator asks for another date instead of guessing a price. The same tool works for Ethereum, XRP, Dogecoin, Solana, Cardano and Avalanche.

    What $1,000 of bitcoin bought each year was worth

    The table uses the same data as the calculator: $1,000 of bitcoin bought at the close on the first day of each year, or on July 5, 2021, the first day of Bybit's BTC/USDT history, then sold at the close on September 24, 2026, with a 0.1% fee on the buy and on the sell.

    Bought onBTC closeValue on September 24, 2026Return
    July 5, 2021$33,704.41$2,499+149.9%
    January 1, 2022$47,729.81$1,765+76.5%
    January 1, 2023$16,616.03$5,070+407.0%
    January 1, 2024$44,175.00$1,907+90.7%
    January 1, 2025$94,602.88$890-11.0%
    January 1, 2026$88,848.20$948-5.2%

    In this table the same coin, bought on different days, turned $1,000 into as much as $5,070 or as little as $890. The buyer at the start of 2023, after a long fall, did best. Buyers at the start of 2025 and 2026 were still behind on September 24, 2026. That is the main lesson of any "what if I bought" calculator: the result depends heavily on the start date, and nobody knows in advance which start dates will look good later.

    The drops along the way

    A final return hides how rough the ride was. In this data, bitcoin's largest fall from a closing high was 76.6%, from $67,465.37 on November 8, 2021 to $15,782.91 on November 21, 2022. Anyone who bought near the 2021 high had to sit through a year in which most of the money disappeared on paper. The other coins in the calculator fell even further at their worst: 79.3% for Ethereum, 77.9% for XRP, 85.2% for Dogecoin, 93.7% for Cardano, 95.6% for Avalanche and 96.3% for Solana.

    The "Largest drop from a high" line in your results shows the same measure for your own dates, and the chart marks the highest and lowest value your purchase reached. The maximum drawdown calculator explains how the measure works and why it matters as much as the final number.

    Total return vs annual return

    The calculator shows two growth numbers. Total return compares what you ended with to what you put in. Annual return, often called CAGR, spreads that result evenly over the years held, which makes holding periods of different lengths comparable. The calculator only shows it for holds longer than a year, because stretching a few weeks of gains or losses into a yearly rate produces numbers that mean very little. For the math behind it, see what is CAGR or use the investment return calculator for any other asset.

    Why the prices are in USDT

    The Bybit pairs used here are quoted in USDT, a stablecoin. Tether, the company that issues it, says its tokens are pegged at 1-to-1 with a matching fiat currency, so one USDT is meant to equal one US dollar. The calculator counts one USDT as one dollar. Each exchange also has its own trades and its own closing price, so the numbers here can differ a little from charts built on other exchanges or on dollar prices.

    Fees and taxes

    With the fee box checked, the calculator takes 0.1% of the value on the buy and again on the sell. That is a simple model of trading costs, not the fee schedule of any particular exchange, so check what your own platform charges. Taxes are left out. For US readers, the IRS says that for U.S. tax purposes, digital assets are considered property, not currency, so selling generally creates a capital gain or loss that you need records for. Our guide to capital gains taxes covers the basics.

    What the calculator cannot tell you

    The history starts on each coin's first day of trading on Bybit's spot market: July 5, 2021 for Bitcoin and Ethereum, July 20, 2021 for XRP, August 31, 2021 for Dogecoin, October 21, 2021 for Solana and Cardano, and November 12, 2021 for Avalanche. Earlier dates are not available here. More importantly, no calculator can say what comes next. These are past prices, and past returns do not predict future ones. If you want to practice decisions without hindsight, try the chart replay, which hides the coin and the dates while you trade real history.

    Educational, not financial advice. This calculator shows what already happened with real past prices. It does not recommend buying or selling any coin.

    FAQ

    Frequently asked questions

    Why can't I pick a date before July 2021?

    The calculator only uses real daily closes from Bybit's spot market, and the BTC/USDT history in this data starts on July 5, 2021. Other coins start later. Rather than mix in prices from another source, the calculator asks for a date inside the stored history.

    Which price does the calculator use?

    The daily close, the last trade price of each UTC day on Bybit's spot market. Both the buy and the sell happen at that close.

    Does the result include fees?

    Yes, when the fee box is checked: 0.1% of the value on the buy and 0.1% on the sell. Uncheck it to see the result before trading costs.

    Can I check Ethereum, XRP or Dogecoin too?

    Yes. Pick Ethereum, XRP, Dogecoin, Solana, Cardano or Avalanche in the coin menu. Each uses its own Bybit history, and the note under the calculator shows the first and last day available.

    Is this a prediction of future bitcoin prices?

    No. Every number comes from prices that already happened. It shows the outcome of past buy and sell dates, which says nothing reliable about what comes next.

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