What If You Invested $100 a Month in Ethereum Since 2018?
Investing $100 a month in Ethereum from Jan 2018 to Oct 2026 would have turned $10,600 into about $43,313, a gain of $32,713 and a money-weighted annual return of 30.5%. Crypto pays no dividends, so this uses the price only.
- Invested
- $10,600
- Value today
- $43,313
- Gain
- +$32,713
- Annual return
- 30.5%
Year by year
The value of the portfolio at the end of each year, investing $100 a month at the start of every month from Jan 2018. Money went in 106 times, and the total grew to 4.1 times what was invested.
| Year | Invested | Portfolio value | Gain or loss |
|---|---|---|---|
| 2018 | $1,200 | $472 | −$728 |
| 2019 | $2,400 | $1,398 | −$1,002 |
| 2020 | $3,600 | $11,723 | +$8,123 |
| 2021 | $4,800 | $60,715 | +$55,915 |
| 2022 | $6,000 | $20,510 | +$14,510 |
| 2023 | $7,200 | $40,697 | +$33,497 |
| 2024 | $8,400 | $60,811 | +$52,411 |
| 2025 | $9,600 | $55,414 | +$45,814 |
| Oct 2026 (latest) | $10,600 | $43,313 | +$32,713 |
The hardest moment to keep going
The biggest fall in the portfolio's value came between Nov 2021 and Jun 2022, when it dropped 77%, from $76,259 to $17,828, even with new money going in every month. An investor who kept buying through that stretch got more coins for each $100, and those purchases are part of the result above.
Monthly investing vs other choices
- All at once: putting the same $10,600 into Ethereum in Jan 2018 would be worth $31,700 today. Monthly investing did better because it kept buying at lower prices after the start. Most people invest from their income, so few have the whole amount at the start.
- The S&P 500 instead: $100 a month in the S&P 500 over the same months, with dividends reinvested, would be worth $22,032 (16.0% a year). Ethereum came out $21,280 ahead, with more risk from holding a single coin.
- Cash: keeping the money uninvested would leave exactly $10,600, worth less after inflation.
Annual return is the money-weighted return (IRR) of the monthly contributions. Prices are monthly closes from Yahoo Finance, updated each time the site is rebuilt. See the methodology. This is for education only and is not investment advice. Past performance does not guarantee future results.