The Cost Average Effect with Bitcoin: What Twelve Instalments Really Deliver

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.Twelve monthly instalments of 100 euros produced an average price of 66,472 euros and ran 33.6 percentage points ahead of the lump sum purchase on the same starting day. The calculation also shows when the savings plan is the worse route.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 thir...