WhatIfWorth
WhatIfWorth

What if you'd bought Bitcoin?

Everyone has a "what if I'd bought it back then" story. Here's how to run the numbers honestly — and why the answer is more complicated than it looks.

WhatIfWorth editorial ·

The question everyone asks

Crypto's wild swings make hindsight especially vivid. A small amount put in on exactly the right date could look enormous today, which is why "what if I'd bought Bitcoin back then?" is such an addictive question.

Our crypto what-if calculator answers it directly, using Coinbase daily-close prices in US dollars for Bitcoin, Ethereum, and Solana. Pick a coin, a date, and an amount, and it shows what that purchase would be worth now.

Why hindsight is misleading

The result feels obvious in reverse, but that's hindsight bias — at the time, nobody knew which way prices would go. Picking the perfect date is only possible looking backward.

There's also survivorship bias. We remember the coins that soared and forget the thousands that went to zero. Bitcoin's story is memorable precisely because most bets didn't work out that way.

What the number does and doesn't include

The calculator assumes a single lump-sum purchase on the date you choose, held without ever selling. It ignores trading fees, taxes, and the exact price you'd have filled at.

It also can't model the human part — the very real chance you'd have panic-sold during a crash, or taken profits early. "Would have been worth" is not the same as "would have kept."

Crash and peak scenarios

The most revealing dates are the famous ones: the March 2020 COVID crash, the 2021 all-time-high peak, and the Luna and FTX collapses of 2022. Buying at a crash and buying at a peak tell completely different stories.

Each scenario page walks through the real dated prices, so you can see how much the entry point matters instead of guessing.

A healthier way to use it

Use the calculator to build intuition about volatility and time — how much prices move, and how long recoveries can take — not to marinate in regret or to time your next trade.

The past can't be bought. The useful takeaway is about risk and patience, which apply to whatever you do next.

Try the crypto what-if calculator →

Frequently asked questions

Which coins can I check?
Bitcoin, Ethereum, and Solana, each priced in US dollars using Coinbase daily-close data. Bitcoin history goes back to 2015; Ethereum and Solana start at their Coinbase listing dates.
Does the result mean I'd have that much money?
No. It's the market value if you'd bought on that date and never sold. What you'd actually walk away with would be lower after fees and taxes, and it assumes you held through every crash without selling.
Is this a prediction or advice?
Neither. It only converts past prices into a "what-if." It never forecasts future prices or suggests buying anything.