The most common excuse for not buying Bitcoin is not having enough money. A $100-a-month habit since January 2015 puts that argument to rest, and the math is striking. Investing $100 every mo
The most common excuse for not buying Bitcoin is not having enough money. A $100-a-month habit since January 2015 puts that argument to rest, and the math is striking.
Investing $100 every month from January 2015 through July 2026 means putting in $13,900 in total across 139 monthly purchases.
At today's Bitcoin price of approximately $63,020, that position is worth around $458,600. A return of roughly 3,200 percent, not from timing the market perfectly, not from a lucky lump sum at the bottom, but from the dullest investment strategy imaginable: buy a fixed amount every single month regardless of price.
In 2015, Bitcoin was not the institutional darling it became. It was trading at around $280, down from a 2013 peak above $1,100 and still widely dismissed as a speculative experiment. A $100 monthly purchase in 2015 bought roughly 0.35 BTC each time.
Over the full year, those twelve purchases added up to more than 4.2 BTC at an average cost of under $300.
That is the core advantage of dollar-cost averaging in a market most people had written off. The investors who bought $100 worth every month in 2015 were not making a bold call. They were following a mechanical discipline that removed emotion from the equation entirely.
The strategy got harder as prices rose. In 2021, when Bitcoin averaged around $47,000, the same $100 bought just 0.002 BTC per purchase.
In 2022, when it crashed back to the $28,000 range, each $100 suddenly bought nearly double what it did twelve months earlier, rewarding the investors who had not stopped.
By the time Bitcoin hit its all-time high of $126,000 in October 2025, the portfolio built entirely on $100 monthly purchases had accumulated approximately 7.3 BTC. At that peak price, it was worth over $920,000.
Trending on TheStreet RoundtableBitcoin is trading at $63,020 today, roughly 50 percent below that October 2025 all-time high, dragged lower by rising Treasury yields, geopolitical tension from US-Iran strikes over the weekend, and sustained institutional outflows from spot Bitcoin ETFs.
That same 7.3 BTC position, held through every crash and every recovery since 2015, is worth approximately $458,600 today against $13,900 invested.
The strategy did not require courage. It required consistency, which, in financial markets, turns out to be the harder of the two.
