XRP (XRP)

Yes. The calculator uses historical daily USD closing prices for the selected crypto over the available price dates within your chosen period. Crypto trades 24 hours a day, seven days a week, including Saturday and Sunday. Each daily price period follows UTC, with its closing boundary at 00:00 UTC on the following day. This is a daily data boundary, not a market shutdown.

The prices come from a financial data service provider. If the provider cannot return closing prices, the calculator displays an error instead of invented results.

Crypto calculations use daily USD closing prices. Staking rewards, lending interest and transaction fees are not included.

Our saved price history starts from the first daily price available from the provider. If you select an earlier start date, the calculation begins on the first available daily price date in our saved data. It does not include the period before that date.

Total Invested is your one-time investment amount. Total Return = Final Value − Total Invested. The displayed dollar amount is your gain or loss, calculated separately for the crypto investment and savings.

Return (%) = Total Return ÷ Total Invested × 100%. It expresses your gain or loss as a percentage of the amount invested. It is not an annualized return.

Price Change = (End closing price ÷ Start closing price − 1) × 100%. The two daily USD closing prices appear below the percentage.

This measures the crypto’s price performance between the actual price dates used in your result, assuming you bought at the start and held throughout. Staking rewards and lending interest are not included. For a one-time investment, Price Change and Return (%) normally match.

Price CAGR means compound annual growth rate of the crypto’s daily USD closing price. It summarizes the price movement between the actual price dates as an average yearly growth rate. The subtitle “Annualized price change” describes this price-based metric.

It is different from an investor’s annualized investment return. Staking rewards, lending interest and transaction fees are not included.

Maximum Drawdown is the largest percentage decline from a previous high within your selected period. The first available daily price is the initial high. As prices reach new highs, the reference high updates. Each later price is compared with the highest price reached so far.

Daily drawdown = (Daily USD closing price ÷ Highest USD closing price so far − 1) × 100%. Maximum Drawdown is the most negative daily drawdown. For example, prices of $100 → $80 → $90 → $45 give a Maximum Drawdown of −55%, from $100 to $45. A recovery does not erase an earlier decline.

Only actual daily USD closing prices inside your selected date range count. Earlier peaks, intraday highs and lows, and savings-only calendar entries are excluded. Your investment amount does not affect this percentage.

Avg. Daily Price Movement describes how much the USD closing price typically moved per day, up or down, during your selected period. It averages the absolute daily percentage changes, so gains and losses do not cancel out.

Daily price change = (Today’s USD closing price ÷ Previous day’s USD closing price − 1) × 100%. Take the absolute value of each change, then add them and divide by the number of daily changes. For example, changes of +2% and −2% give an average movement of 2%, rather than 0%.

With 752 daily prices, there are 751 daily changes. Crypto trades every day; each available daily USD closing price is compared with the previous available daily price. This is a descriptive average, not a forecast or a formal volatility measure.

Annualized Return describes the investment’s average yearly growth over the actual price period. “Per year” means the percentage is expressed as an annual rate, rather than the full-period Return (%).

Price CAGR describes the asset’s price growth; Annualized Return describes the investment’s growth. In this one-time Crypto Calculator, they can show the same percentage because the investment is bought at the start and held throughout, using the same daily USD closing prices. With recurring investments, the timing of contributions also matters; the DCA Calculator reports a separate money-weighted annualized return.

This Crypto Calculator calculates a one-time investment. To see how investing a fixed amount regularly would have performed, use the DCA Investment Calculator. The link below keeps your selected crypto.

Try the DCA Calculator →

Savings Rate is the yearly interest rate you choose for the savings benchmark. For example, 4% per year means a 4% annual rate. It is your selected comparison rate, while the crypto’s Annualized Return is a historical investment result.

Savings interest accrues over calendar days, including weekends and holidays, from the actual investment start date through your selected end date. Use Cash (0% interest) uses a savings rate of zero. Total Return (Savings) is Savings Final Value minus Total Invested.

The amount in the crypto vs Savings card is Crypto Final Value minus Savings Final Value, using the same starting investment.

A positive amount means the crypto finished higher than savings; a negative amount means it finished lower. A value close to zero means the results were about the same. The crypto ticker and “more with” or “less than savings” description update with your selection.

Crypto trades around the clock, including weekends and holidays. This calculator uses completed daily USD closing-price records for UTC calendar days; crypto has no official market close.

A day still in progress may not yet have a completed daily price. Earlier history may also be unavailable, or the latest daily record may still be updating. The “Actual price dates” label in Your Result shows the dates used for the prices, which can differ from your selected dates.

Savings interest continues through your selected end date. No stock-market holiday adjustment is applied to crypto.

Generally, yes. Crypto has historically shown significantly larger price swings than diversified ETFs and most individual stocks, both on the upside and the downside. Unlike stocks, crypto generally do not represent an ownership interest in a company.