Fifty euros a month is the figure most people start with when they first consider a Bitcoin savings plan. The short answer to whether it pays off: anyone who began in January 2017 and has bought 50 euros every month since has paid in €5,900 and holds 0.7137 Bitcoin for it. At the price on October 5, 2026 that is around €54,500, a good nine times the money paid in. Anyone who only started in January 2024 is up just 14.5 percent on the same instalments.
Both figures come out of the same calculation, and that is precisely the point: what a savings plan ends up delivering is decided above all by the entry date and the time in the market. This article works through five periods, sets each instalment plan against a lump sum of the same amount, and shows where fees and German tax law cut in. Bitcoin traded between €76,300 and €76,400 on Monday; every closing value below is calculated at that level.
What 118 instalments of 50 euros in Bitcoin since January 2017 produced
A savings plan buys a fixed amount on fixed dates, whatever the price. When Bitcoin is high, your 50 euros buy little; when it is low, they buy a lot. Across 118 mont...
English (US)