Bitcoin DCA Calculator
Plan how much capital you need to lend so each period earns enough interest to dollar-cost average into Bitcoin.
Stack BTC without spending an extra cent — let lending interest do the buying.
- ✓Your principal stays 100% in the lending pool earning more interest — it's never consumed.
- ✓Interest auto-converts to BTC every period — no manual transfers, no extra deposits.
- ✓Unlike traditional DCA that pulls $X from your salary each month, this funds itself entirely from yield — zero out-of-pocket cost.
BTC price
$61,585
Min order size
0.00004000 BTC
≈ $2.46
Updated
7/6/2026, 9:35:30 PM
Bitfinex public API
Inputs
Result
Required principal
$1,605.61
to earn one min-order BTC purchase every 7 days
Formula
principal = min_amount / (period × daily_rate)
$1605.61 = $2.46 / (7 × 0.0219%)
Bitfinex deducts a 15% financing fee from gross interest. Your net daily interest is $0.30; adjust your target rate accordingly.
DCA strategy flow
Notes
- Lending rates are not guaranteed — past performance does not guarantee future returns.
- Bitfinex charges a 15% financing fee on interest earned.
- Compounding (reinvesting interest) is not modeled — actual capital grows over time.
- BTC price is volatile — the USD equivalent of the min order size changes daily.
- Want to start lending? Create an account.
FAQ
How does the lending calculator work?
Enter your amount and an annual rate to estimate daily and monthly interest. Real returns vary with market rates and how much of your funds stay matched.
What rate should I expect?
Bitfinex lending typically returns 5–25% annualized, averaging around 15–20%, fluctuating with supply and demand. Use the average as a planning baseline, not a guarantee.
Is the estimate accurate?
It's an estimate based on the rate you enter. Actual interest changes daily because market rates move and not every offer fills instantly — a bot helps keep more of your funds earning.