50 euros a month in Bitcoin, 118 instalments since 2017: savings plan vs lump sum

The information provided in this article is for informational purposes only and does not constitute financial advice. Cryptocurrency investments carry a high degree of risk. Always conduct your own research.118 monthly instalments of 50 euros since January 2017 add up to €5,900 paid in and around €54,500 today. The same instalment since January 2024 is up only 14.5 percent, and since October 2025 the savings plan beats the lump sum by almost 39 percentage points.Fifty euros a month is the figure most people start with when they first consider a Bitcoin savings plan. The short answer to whether it pays off: anyone who began in January 2017 and has bought 50 euros every month since has paid in €5,900 and holds 0.7137 Bitcoin for it. At the price on October 5, 2026 that is around €54,500, a good nine times the money paid in. Anyone who only started in January 2024 is up just 14.5 percent on the same instalments. Both figures come out of the same calculation, and that is precisely the point: what a savings plan ends up delivering is decided above all by the entry date and the time in the market. This article works through five periods, sets each instalment plan against a lump sum of th...