Steady buying, scored honestly
A dollar-cost averaging test for Creditcoin (CTC): a fixed buy on a fixed schedule at real daily closes, drawn against Bitcoin and against the same dollars uninvested. Change the rhythm, the amount or the start date, or add any other asset the site tracks; the full calculator is this same page with nothing picked for you.
Buying $100 of Creditcoin every week for the past year put in $5,300 and ended at $3,882, 0.73x the money, a money-weighted -48.4% a year.
$100.00 every week from 10 Oct 2025 to 9 Oct 2026 · 53 buys · $5,300 in
First BTC buy: $100.00 at $121,720.00 per BTC on 10 Oct 2025, about 0.000822 BTC
Buys execute at each day’s close · crypto and metal data from CoinGecko, equity closes via Nasdaq, through 9 Oct 2026 · nominal USD, not investment advice
XIRR is the money-weighted annual rate of this exact schedule: each buy counts for how long it was actually held, which is the honest way to score periodic saving. Sharpe and Sortino describe the asset’s own daily swings over the same window, regardless of the schedule (Sortino only penalizes the downward ones), annualized on each market’s own calendar.
| Asset | Value | Multiple | XIRR | Sharpe | Sortino |
|---|---|---|---|---|---|
| Bitcoin | $5,691 | 1.07x | +15.2% | -0.65 | -0.92 |
| Creditcoin | $3,882 | 0.73x | -48.4% | 0.27 | 0.52 |