I just asked myself this question again: What if I had put 1,000 euros into Bitcoin 10 years ago? 😅 Such thought experiments are everywhere—in forums, on social media, everywhere. With a Bitcoin calculator, you can actually run the numbers. The figures are staggering, but honestly, they can be a bit depressing when you see what you missed.

But here’s the interesting part: it’s not just about the past. The what-if effect actually shows you how Bitcoin has worked historically. When you look at the data, it becomes clear—patience has always been rewarded so far. A HODL strategy, meaning simply holding instead of selling at every dip, would have paid off. Even with Mt. Gox or Corona—whoever stuck it out came out ahead.

What interests me even more is the savings plan effect. 50 euros per month instead of 5,000 once? It sounds less spectacular, but the cost-averaging effect is real. You buy at both high and low prices, so the risk is spread out. And emotionally, it’s also easier—you don’t have to be afraid of entering at the wrong time.

For us in Germany, there’s another advantage many people overlook: after one year of holding, the Bitcoin profit is completely tax-free. With stocks, you pay 25% withholding tax right away. That’s a real difference.

So the question is less “Should I have bought 10 years ago?”—we can’t change that. Instead, it’s more like: Is a Bitcoin calculator still worth it today? For building wealth long term, yes; for getting rich quickly, no. With a savings plan and the right mindset, you can still build now. The best time was 10 years ago, but the second-best time? That’s today.