A DCA calculator tells you what dollar cost averaging would have returned. It doesn’t tell you how yours is doing, with your real buys, fees and transfers. Here is how to track it month after month, and what 35 months of a real bitcoin DCA actually show.
Your exchange shows a green “Today’s PnL”, your wallet shows nothing, and you still don’t know how much you’ve made. The answer takes two numbers, realized and unrealized, worked out across all your accounts at once.
A crypto tracker spreadsheet has three jobs: what you hold, what it cost you, what it’s worth. Most free templates handle the last one and get the first two wrong as soon as your coins live on more than one account.
You bought bitcoin on Kraken, then on Coinbase, and each app shows its own “average cost”. Neither is yours: the only cost basis that counts is calculated across all your accounts at once.
