Data as of Q4 2026
Bitcoin DCA calculator
As of Q4 2026, a fee-only DCA example of €500 plus €100 per month for 12 months (€1,700 invested) ranks 21bitcoin first. Variable fee: 0%; first-year fees about €0, using the live Stacking Strategist formula. This is not a return forecast. Indicative 2026 overview.
Default example: €500 lump sum + €100/month × 12. Enter your own amounts to recalculate with the same fee schedule.
First-year fees on the default plan
| Rank | Partner | Method | Variable fee | First-year fees | Note |
|---|---|---|---|---|---|
| 1 | 21bitcoin | Auto-Invest plan | 0% | €0 | Published fee |
| 2 | ByBit EU | Spot trading | 0.25% | €4 | Published fee |
| 3 | Kraken | Pro trading | 0.8% | €14 | Published fee |
Same formula as the live Stacking Strategist: first-year fees = (monthly contribution × fee % + fixed fee + monthly subscription) × 12, plus the fee % on the initial lump sum. Bitcoin price returns are deliberately left out.
FAQ
Does this calculator forecast bitcoin’s price?
No. It isolates partner fees from the published fee schedule. Price returns are not modelled.
What default plan is shown as of Q4 2026?
€500 upfront plus €100/month for 12 months (€1,700 invested), ranked by first-year fees using the Stacking Strategist formula.
Which route is cheapest on that plan?
21bitcoin (Auto-Invest plan) with a 0% variable fee: about €0 in first-year fees in this fee-only example.
Is this financial advice?
No. It is for educational purposes only. KYC happens on the partner platform. Virtuse never holds your keys.