Crypto SIP and DCA calculator
Enter the instalments you have put in — the date, the amount, and the price a unit was at on that date — and this page pools them into one average cost of acquisition. Add a price for today, or for the day you plan to come out, and it also works out the gain and the tax on it.
Weighted-average acquisition cost from the instalments you enter. Prices are supplied by you; no historical or current price is fetched.
Inputs
Six instalment rows are available without JavaScript.
- Instalments counted
- Total invested
- Units accumulated
- Value of the holding at that rate
- Income on transfer
- Tax at 31.2%
- Left after tax
A weighted average of the rows filled in so far, worked out in your browser. This preview can omit incomplete rows; the server rejects a partially filled row rather than silently omitting it. Submit for the validated figure this page stands behind.
No price is looked up here either. Each row carries the price you supply for that date. There is no market-data connection behind this page, and it will not invent a historic rate for you.
Weighted-average result
The submitted calculation appears here.
Enter at least one complete instalment and submit to see total invested, units, and weighted-average cost.
Which cost-basis method this page uses, and why it says so
The figures above use weighted average cost: every unit you hold carries the pooled average cost of the whole holding. That is stated rather than assumed because it matters. Neither the Income-tax Act, 1961 nor the Income-tax Act, 2025 prescribes a cost-basis method for virtual digital assets, so weighted average, first-in-first-out and identifying specific units are all readings rather than rules — and on a history with many acquisitions at different prices they produce materially different taxable figures from identical data.
Weighted average is the natural fit for a schedule of instalments, because that is what accumulating in instalments does: it pools. But if you dispose of only part of a holding, the method you apply changes the cost that comes off, and the choice is one to settle with a Chartered Accountant rather than inherit from a calculator. The Schedule VDA generator lets you compute a full transaction file both ways and compare.
Instalments before this financial year
A schedule that began in an earlier year is fine to enter. Acquiring a virtual digital asset is not itself a taxable event — it produces cost basis and nothing else — so instalments from earlier years contribute to the average without anything being computed about those years. Only the transfer is a taxable event, and the tax figures on this page are for FY2025-26 (AY 2026-27).
Nothing here is a projection
This page arithmetically pools what you type in. It does not forecast a price, does not model a return, and has no view on what any asset will do next. The price on exit is a figure you supply so the arithmetic can be completed, not an estimate the page has produced.
These figures are generated automatically from the information you provide, based on our reading of the applicable tax rules. They are for reference only and do not constitute tax advice. Please consult a registered Chartered Accountant before filing any return or relying on these numbers.