Data Sources and Limits
Points through 2024 are approximate, hand-curated monthly references without a retained primary-source citation or one consistent exchange/time-of-month convention. From January 2025, crypto values use Binance monthly candle opens, S&P 500 values use the first monthly FRED observation, and gold uses the first monthly GC=F close reported in the Gold Price Tracker history. Benchmark dates are normalized to the first of each month. These points are not transaction prices. Precise-looking results are arithmetic outputs from approximate inputs and should not be interpreted to the displayed cent or tenth of a percentage point.
Reading Historical Returns
The calculator divides the hypothetical investment by the selected month's reference price, then values those units at the fixed dataset endpoint. It does not model recurring purchases, fees, spreads, custody costs, taxes, dividends, or the timing available to a real trader.
Past Performance vs Future Returns
It is important to remember that historical returns do not guarantee future performance. The cryptocurrency market has matured significantly since its early days, and the risk-reward profile continues to evolve. Regulatory changes, technological developments, and macroeconomic factors all play a role in future price movements. Results are educational scenarios, not a recommendation or forecast.
Track Your Real Portfolio
While this calculator shows hypothetical past returns, tracking your actual investments is just as important. Our free Crypto Portfolio Tracker app lets you monitor your real holdings, visualize performance over time, and request AI-generated portfolio summaries.