Bitcoin SIP calculator (INR)
By BtcMedia Research · Updated
What if you had bought a fixed rupee amount of Bitcoin every month? This backtest uses real monthly prices from Jan 2014 to Oct 2026. Example: ₹1,000 a month since Jan 2018 = ₹1,06,000 invested, worth about ₹7,31,504 at the Oct 2026 price (before fees and tax).
Your SIP
Result
- Instalments
- Total invested
- Bitcoin accumulated
- Average buy price
- Value
- Gain / loss
- Tax if sold (31.2% of gain)
- Lump sum at start instead
■ value of your Bitcoin · ■ rupees invested
₹1,000 a month: start-year comparison
| Started | Invested | Value (Oct 2026) | Multiple |
|---|---|---|---|
| Jan 2014 | ₹1,54,000 | ₹1,34,24,461 | 87.17× |
| Jan 2015 | ₹1,42,000 | ₹1,02,32,644 | 72.06× |
| Jan 2016 | ₹1,30,000 | ₹43,23,447 | 33.26× |
| Jan 2017 | ₹1,18,000 | ₹15,19,334 | 12.88× |
| Jan 2018 | ₹1,06,000 | ₹7,31,504 | 6.90× |
| Jan 2019 | ₹94,000 | ₹5,34,574 | 5.69× |
| Jan 2020 | ₹82,000 | ₹2,99,924 | 3.66× |
| Jan 2021 | ₹70,000 | ₹1,64,693 | 2.35× |
| Jan 2022 | ₹58,000 | ₹1,34,152 | 2.31× |
| Jan 2023 | ₹46,000 | ₹87,086 | 1.89× |
| Jan 2024 | ₹34,000 | ₹42,736 | 1.26× |
| Jan 2025 | ₹22,000 | ₹23,358 | 1.06× |
Buys on the 1st of each month at the monthly price, valued at the Oct 2026 monthly price. Before fees and tax.
FAQ
What is a Bitcoin SIP?
A systematic investment plan (SIP), also called dollar-cost averaging (DCA), means buying a fixed rupee amount of Bitcoin at regular intervals, for example ₹1,000 every month, whatever the price. You buy more when the price is low and less when it is high.
What would ₹1,000 a month in Bitcoin since January 2018 be worth?
Using monthly prices on the 1st of each month, 106 instalments of ₹1,000 (₹1,06,000 in total) would have bought 0.08949 BTC, worth about ₹7,31,504 at the Oct 2026 price, before fees and tax. Past returns do not predict future returns.
Where does the price data come from?
Bitcoin's US dollar close on the 1st of each month from Bitstamp, converted to rupees with the ECB USD/INR reference rate (via Frankfurter). Prices on Indian exchanges have often been a few percent higher than this global rate; see our INR premium tracker.
Is the result after tax?
The main result is before tax and fees. Tick the tax option to see an estimate if you sold everything: 30% tax plus 4% cess on the gain, under the Income-tax Act, 2025. 1% TDS on the sale is a credit against that tax, not an extra cost.
Data: Bitstamp public API (BTC/USD daily close) × ECB reference rates via Frankfurter (USD/INR). Live price: CoinGecko. Download the monthly series: btc-inr-monthly.json. Updated 2026-10-23. Download the data: dataset page · all BtcMedia datasets.
Not financial advice. Backtests show the past only. Bitcoin is volatile and you can lose money. Indian exchange prices may differ from the global price used here.
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- Calculator launched with monthly BTC/INR prices since Jan 2014 (Bitstamp × ECB).