The Cost Average Effect with Bitcoin: The Calculation

The cost average effect describes how, with constant instalments, you get more units for the same money when the price falls and fewer when it rises. What follows is an average price that lies below the average of the prices. How large that gap actually is goes unmentioned in most guides. So we calculated it ourselves: for twelve monthly instalments of 100 euros each in Bitcoin it comes to 3.67 percent, and against a lump sum purchase on the same starting day the savings plan portfolio is 33.6 percentage points ahead. This analysis was compiled by cryptoticker.io itself on September 19, 2026.

The figure alone does not yet say whether a savings plan is the right tool for you. The lead arose in a year in which the Bitcoin price gave up a good third from its high. In a rising market the result turns around. This article shows both sides using the same data.

What the cost average effect is and what it does not achieve

The term comes from the fund business and means a purely arithmetical consequence of fixed instalments. If you buy for 100 euros every month, then at a price of 50,000 euros you receive twice as many units as at 100,000 euros. Because the cheap months automatically carry more weight, your average price sinks below the arithmetic mean of the prices.