Crypto Average Cost Calculator with What-If Buys

Find your crypto average cost across up to 10 buys, fees included, and see how much a lower-priced buy would take to bring your average to a target.

How to use this calculator

Enter each purchase on its own row: the quantity of coins, the price per coin and the fee in dollars. Leave the fee at 0 if it was already built into the price. You can add up to 10 buys, and rows with a missing or zero quantity or price are skipped. Your trade history or exchange statements show all three numbers.

The tiles show total quantity, total cost including fees, average cost and break-even price. Break-even equals the average cost here: selling at that price returns what you paid, before any selling fee.

The what-if section answers a common question: how far would a buy at a lower price move the average? Enter the next buy price and a target average. The calculator shows the quantity needed and roughly what it would cost, or explains why the target cannot be reached. If you buy on a fixed schedule, the guide to tracking DCA performance shows how the same average fits into a plan, and the dollar-cost averaging guide covers the basics.

Warning: Lowering an average is arithmetic, not a reason to buy. Adding to a falling position increases how much you have riding on it, and the math here only shows the size of that commitment.

How it’s calculated

Q = q1 + q2 + ... + qn C = (q1 × p1 + fee1) + (q2 × p2 + fee2) + ... + (qn × pn + feen) Average cost = C ÷ Q Break-even = Average cost x = (C − T × Q) ÷ (T − P) valid only when P < T < Average cost Buy cost = x × P

Here qi, pi and feei are the quantity, price and dollar fee of buy i. Q is the total quantity, C the total cost, T the target average, P the next buy price and x the quantity needed at P. The x formula comes from setting (C + x × P) ÷ (Q + x) equal to T and solving for x. It leaves out any fee on the new buy, so the real cost would be slightly higher.

Including fees in cost follows the standard definition: FINRA describes cost basis as the purchase price plus the commissions and fees paid to complete the trade.

Worked example

The calculator opens with three hypothetical buys:

Average cost = $7,458 ÷ 0.23 = $32,426.09, which is also the break-even price before selling fees. It sits above the simple average of the three prices, $31,666.67, because the average is weighted by quantity and the $40,000 buy was larger than the $25,000 one. Fees add another $34.78 per coin.

For the what-if, suppose the next buy is at $25,000 and the target average is $30,000:

• x = (7,458 − 30,000 × 0.23) ÷ (30,000 − 25,000) = 558 ÷ 5,000 = 0.1116 coins
• Buy cost = 0.1116 × $25,000 = $2,790
• Check: ($7,458 + $2,790) ÷ (0.23 + 0.1116) = $10,248 ÷ 0.3416 = $30,000

Move the target closer to the new price and the requirement balloons. Reaching $26,000 with a buy at $25,000 takes (7,458 − 5,980) ÷ 1,000 = 1.478 coins, or $36,950, nearly five times what the first three buys cost. Our guide on crypto average cost basis has more worked cases.

Limitations

• Every row is treated as a purchase. Sales, transfers between your own wallets and coins received as rewards need separate handling.
• Average cost is a tracking number, not necessarily your tax basis. As of September 2026, US IRS guidance on digital assets describes specific identification and a first-in, first-out default, and other countries use other rules. Check with a qualified professional.
• The what-if ignores the fee on the new buy.
• Break-even equals average cost only before selling fees. To include them, enter your average cost as the buy price in the profit and loss calculator, or read how fees shift the target in our break-even price guide.

This content is for education only and is not financial, investment, tax or legal advice. Crypto assets are volatile and you can lose money. Examples use hypothetical numbers. See our disclaimer and editorial policy.