The cost average effect describes how, with constant instalments, you get more units for the same money when the price falls and fewer when it rises. What follows is an average price that lies below the average of the prices. How large that gap actually is goes unmentioned in most guides. So we calculated it ourselves: for twelve monthly instalments of 100 euros each in Bitcoin it comes to 3.67 percent, and against a lump sum purchase on the same starting day the savings plan portfolio is 33.6 percentage points ahead. This analysis was compiled by cryptoticker.io itself on September 19, 2026.