{"id":455,"date":"2026-08-06T13:47:55","date_gmt":"2026-08-06T13:47:55","guid":{"rendered":"https:\/\/mycoinpartner.com\/tools\/dca-calculator\/"},"modified":"2026-08-06T13:47:55","modified_gmt":"2026-08-06T13:47:55","slug":"dca-calculator","status":"publish","type":"page","link":"https:\/\/mycoinpartner.com\/es\/tools\/dca-calculator\/","title":{"rendered":"Calculadora de DCA"},"content":{"rendered":"<p>Compara comprar a intervalos regulares con comprometer el mismo total el primer d\u00eda, usando precios de cierre diarios hist\u00f3ricos reales.<\/p>\n<div class=\"mcp-tool\" data-mcp-tool=\"dca-calculator\"><div class=\"mcp-tool__in\"><label class=\"mcp-f\"><span class=\"mcp-f__l\">Importe por compra ($)<\/span><input class=\"mcp-f__i\" type=\"number\" step=\"any\" name=\"amount\" data-f=\"amount\" value=\"100\" inputmode=\"decimal\"><\/label><label class=\"mcp-f\"><span class=\"mcp-f__l\">Frecuencia<\/span><select class=\"mcp-f__i\" name=\"freq\" data-f=\"freq\"><option value=\"7\">Semanal<\/option><option value=\"14\">Quincenal<\/option><option value=\"30\" selected>Mensual<\/option><\/select><\/label><label class=\"mcp-f\"><span class=\"mcp-f__l\">Ventana<\/span><select class=\"mcp-f__i\" name=\"days\" data-f=\"days\"><option value=\"90\">\u00daltimos 90 d\u00edas<\/option><option value=\"180\">\u00daltimos 180 d\u00edas<\/option><option value=\"365\" selected>\u00daltimos 365 d\u00edas<\/option><\/select><\/label><\/div><div class=\"mcp-tool__out\"><div class=\"mcp-o\"><span class=\"mcp-o__l\">Total invertido<\/span><span class=\"mcp-o__v\" data-o=\"invested\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Valor actual del DCA<\/span><span class=\"mcp-o__v\" data-o=\"dcaval\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Rentabilidad del DCA<\/span><span class=\"mcp-o__v\" data-o=\"dcaret\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Coste medio<\/span><span class=\"mcp-o__v\" data-o=\"avgcost\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Valor de la entrada \u00fanica<\/span><span class=\"mcp-o__v\" data-o=\"lump\"><\/span><span class=\"mcp-o__n\">El mismo total, todo el primer d\u00eda<\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Rentabilidad de la entrada \u00fanica<\/span><span class=\"mcp-o__v\" data-o=\"lumpret\"><\/span><\/div><\/div><script type=\"application\/json\" data-mcp-dca>{\"c\":[117472.01,116674.74,116462.25,119294.01,118686,120134.08,123306.43,118295.09,117342.05,117380.66,117405.01,116227.05,112872.94,114271.24,112500,116935.99,115438.05,113493.59,110111.98,111763.22,111262.01,112566.9,108377.4,108816.33,108246.35,109237.42,111240.01,111705.71,110730.87,110659.99,110187.97,111137.34,112065.23,111546.39,113960,115482.69,116029.42,115918.29,115268.01,115349.71,116788.96,116447.59,117073.53,115632.38,115685.63,115232.29,112650.99,111998.8,113307,108994.49,109643.46,109635.85,112163.95,114311.96,114048.93,118594.99,120529.35,122232,122391,123482.31,124658.54,121332.95,123306,121662.4,112774.5,110644.4,114958.8,115166,113028.14,110763.28,108194.28,106431.68,107185.01,108642.78,110532.09,108297.67,107567.44,110078.18,111004.89,111646.27,114559.4,114107.65,112898.45,110021.29,108322.88,109608.01,110098.1,110540.68,106583.04,101497.22,103885.16,101346.04,103339.08,102312.94,104722.96,106011.13,103058.99,101654.37,99692.02,94594,95596.24,94261.44,92215.14,92960.83,91554.96,86637.23,85129.43,84739.74,86830,88300.01,87369.96,90484.02,91333.95,90890.7,90802.44,90360,86286.01,91277.88,93429.95,92078.06,89330.04,89236.79,90395.31,90634.34,92678.8,92015.37,92513.38,90268.42,90240.01,88172.17,86432.08,87863.42,86243.22,85516.41,88136.94,88360.9,88658.86,88620.79,87486,87669.45,87225.27,87369.56,87877.01,87952.71,87237.13,88485.49,87648.22,88839.04,89995.13,90628.01,91529.73,93859.71,93747.97,91364.16,91099.99,90641.28,90504.7,91013.65,91296.2,95414,96951.78,95604.8,95550.94,95147.77,93673.14,92631,88427.66,89454.73,89559.67,89600.26,89225.34,86670.36,88347.08,89250,89299.99,84650.16,84260.49,78741.09,76968.21,78738.61,75770.21,73165.83,62909.86,70580.26,69289.38,70330.38,70138,68841.29,67082.52,66272.17,68853.96,69822.95,68832.58,68892.43,67503.52,66461,67003.73,68020.01,67975.93,67643.4,64656.02,64058.15,67988.04,67485.18,65872.1,66973.26,65776.47,68830.06,68338,72666.77,70890.72,68114.02,67262.91,65971.2,68432.16,69948.63,70191.86,70541.34,70930,71211.95,72815.24,74884.67,73909.36,71246.54,69930,70510.73,68918.12,67859,70906.45,70556.74,71336.53,68820.31,66407.28,66377.03,66010.93,66797.37,68284.48,68113.92,66901.99,66964.3,67300.42,69034.18,68853.66,71924.22,71069.93,71787.97,72962.7,73043.16,70740.98,74417.99,74131.55,74809.99,75154.29,77072,75691.76,73801.79,75840.97,76336.15,78178.23,78257.48,77437.13,77625,78657.55,77371.32,76342.77,75780,76346.57,78231.13,78686.85,78568.57,79861.01,80905.52,81447.01,80006,80193.17,80678.4,82210.07,81745.65,80504.47,79313.61,81089.99,79113.21,78148.05,77457.67,77001.87,76834.36,77552.23,77615.52,75539.5,76752.01,77064.96,77322.01,75930.01,74449.3,73617.51,73460.78,73884.38,73674.39,71408.9,66760.83,64142.75,63885.99,61056.47,60884.62,63332.01,63085.99,61730,61510.99,63625.99,63580.01,64458.01,65746.45,66328.74,65675.01,64509.4,62958.01,63543.91,64298.01,63311.99,64020.01,62734.57,61077.99,59794,60097.27,60029,59577.01,60260.21,58624.71,60024,61560,62583.26,63144.01,63650,64042.02,63363.99,62290,63230,64161.72,63819,63780,62334.52,65043.98,64756.28,63830.2,63931.67,64834.22,64722.54,65255.51,66556.16,66114.49,65098.97,64139.99,64375,65399.99,63755.86,63915,63984.28,64780.02,62887.88,62823.64,63570,63520,64106.56,64665.23,64462.55],\"t\":[1754524800,1754611200,1754697600,1754784000,1754870400,1754956800,1755043200,1755129600,1755216000,1755302400,1755388800,1755475200,1755561600,1755648000,1755734400,1755820800,1755907200,1755993600,1756080000,1756166400,1756252800,1756339200,1756425600,1756512000,1756598400,1756684800,1756771200,1756857600,1756944000,1757030400,1757116800,1757203200,1757289600,1757376000,1757462400,1757548800,1757635200,1757721600,1757808000,1757894400,1757980800,1758067200,1758153600,1758240000,1758326400,1758412800,1758499200,1758585600,1758672000,1758758400,1758844800,1758931200,1759017600,1759104000,1759190400,1759276800,1759363200,1759449600,1759536000,1759622400,1759708800,1759795200,1759881600,1759968000,1760054400,1760140800,1760227200,1760313600,1760400000,1760486400,1760572800,1760659200,1760745600,1760832000,1760918400,1761004800,1761091200,1761177600,1761264000,1761350400,1761436800,1761523200,1761609600,1761696000,1761782400,1761868800,1761955200,1762041600,1762128000,1762214400,1762300800,1762387200,1762473600,1762560000,1762646400,1762732800,1762819200,1762905600,1762992000,1763078400,1763164800,1763251200,1763337600,1763424000,1763510400,1763596800,1763683200,1763769600,1763856000,1763942400,1764028800,1764115200,1764201600,1764288000,1764374400,1764460800,1764547200,1764633600,1764720000,1764806400,1764892800,1764979200,1765065600,1765152000,1765238400,1765324800,1765411200,1765497600,1765584000,1765670400,1765756800,1765843200,1765929600,1766016000,1766102400,1766188800,1766275200,1766361600,1766448000,1766534400,1766620800,1766707200,1766793600,1766880000,1766966400,1767052800,1767139200,1767225600,1767312000,1767398400,1767484800,1767571200,1767657600,1767744000,1767830400,1767916800,1768003200,1768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class=\"mcp-tool__note\">Probado sobre cierres diarios reales de BTC en Binance. <strong>La ventana domina el resultado<\/strong>: elige otro inicio y la comparaci\u00f3n puede invertirse. Promediar compra un peor caso m\u00e1s peque\u00f1o, no una rentabilidad mayor, y una ventana pasada no te dice nada de una futura.<\/p><\/div>\n<h2>C\u00f3mo se hace justa la comparaci\u00f3n<\/h2>\n<p>La entrada \u00fanica compromete <strong>el mismo importe total<\/strong> que el plan de DCA gastar\u00eda a lo largo de toda la ventana, todo el primer d\u00eda. Esa es la \u00fanica comparaci\u00f3n equivalente. Comparar una serie de compras peque\u00f1as con una sola mayor es comparar dos cantidades de dinero distintas y no dice nada.<\/p>\n<p>Las compras se ejecutan a cierres diarios reales. Aqu\u00ed no se modelan comisiones, as\u00ed que ambas estrategias salen igual de favorecidas: en la pr\u00e1ctica el DCA implica m\u00e1s transacciones y por tanto m\u00e1s comisiones, lo que reduce cualquier ventaja que muestre.<\/p>\n<h2>La ventana domina el resultado<\/h2>\n<p>Esto es lo m\u00e1s importante de la p\u00e1gina. En un mercado que subi\u00f3 de forma sostenida gana la entrada \u00fanica, porque cada compra de DCA posterior a la primera compra m\u00e1s caro. En un mercado que cay\u00f3 y se recuper\u00f3 gana el DCA, porque las compras posteriores acumulan m\u00e1s unidades baratas. Cambia la fecha de inicio unas semanas y la respuesta puede invertirse por completo.<\/p>\n<p>Eso no es un fallo de la calculadora: es el hallazgo real, y es la raz\u00f3n por la que cualquier afirmaci\u00f3n tajante de que un enfoque supera al otro es en realidad una afirmaci\u00f3n sobre qu\u00e9 ventana se eligi\u00f3. Un backtest te dice qu\u00e9 habr\u00eda pasado en un pasado concreto. No te dice qu\u00e9 pasar\u00e1 despu\u00e9s.<\/p>\n<h2>Qu\u00e9 compra realmente promediar<\/h2>\n<p>No rentabilidades mayores. Repartir las compras reduce la consecuencia de equivocarte con el momento: baja la varianza de tu precio de entrada, as\u00ed que el peor resultado realista es menos malo. A cambio, el mejor resultado tambi\u00e9n es menos bueno. Si tienes una suma disponible y el mercado sube, rendir\u00e1s por debajo, y saberlo de antemano es justamente el punto.<\/p>\n<p>La cifra de coste medio muestra el precio medio pagado por unidad en todas las compras. Compararla con el precio al principio y al final de la ventana muestra d\u00f3nde aterrizaron realmente tus entradas.<\/p>\n<h2>Preguntas frecuentes<\/h2>\n<p><strong>\u00bfQu\u00e9 frecuencia es mejor?<\/strong> Las diferencias entre semanal, quincenal y mensual son peque\u00f1as e inconsistentes entre ventanas. La frecuencia importa mucho menos que seguir haci\u00e9ndolo.<\/p>\n<p><strong>\u00bfIncluye comisiones?<\/strong> No. A\u00f1ade la comisi\u00f3n de tu exchange a cada compra, y ten en cuenta que comprar m\u00e1s a menudo significa pagarla m\u00e1s veces.<\/p>\n<p><strong>\u00bfUn buen backtest es motivo para empezar?<\/strong> No. Las ventanas pasadas no son predicciones, y esta herramienta te mostrar\u00e1 encantada una ventana que respalde lo que ya cre\u00edas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Compara comprar a intervalos regulares con comprometer el mismo total el primer d\u00eda, usando precios de cierre diarios hist\u00f3ricos reales. C\u00f3mo se hace justa la comparaci\u00f3n La entrada\u2026<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":275,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-tool.php","meta":{"footnotes":""},"class_list":["post-455","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mycoinpartner.com\/es\/wp-json\/wp\/v2\/pages\/455","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mycoinpartner.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mycoinpartner.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mycoinpartner.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mycoinpartner.com\/es\/wp-json\/wp\/v2\/comments?post=455"}],"version-history":[{"count":0,"href":"https:\/\/mycoinpartner.com\/es\/wp-json\/wp\/v2\/pages\/455\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/mycoinpartner.com\/es\/wp-json\/wp\/v2\/pages\/275"}],"wp:attachment":[{"href":"https:\/\/mycoinpartner.com\/es\/wp-json\/wp\/v2\/media?parent=455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}