If You Had Invested $100 a Week in XRP Since 2015, Could You Retire Today?

If an investor had committed $100 a week into XRP over the past decade, could they have enough now for an early retirement?

While some market participants are in the crypto scene for the fun of it or as part of a larger investment portfolio, others enter the space because they find the conventional work lifestyle too tedious to endure. As a result, they expect their investments in cryptocurrency to catalyze a journey toward early retirement.

Of course, such a goal would require both research and luck, as an investor could spend over a decade on a utility-based asset and not make substantial gains, but another might commit a few pennies in a meme coin and walk off with a life-changing ROI.

What if You Committed $100 Every Week into XRP Since May 2015?

Despite the large gains meme coins could yield for an investor, they also pose a similar level of risk. This is one reason why most investors opt to stick with utility-based tokens, such as Ethereum and XRP. However, we recently assessed how profitable a utility asset like XRP could have been if a market participant had DCA’d weekly into it over the past decade.

Notably, a report from 2019 showed that Americans spend about $1,497 on non-essentials like coffee, drinks, paid apps, and subscription boxes every month. This figure translates to around $374.25 a week. What if an investor had chosen to substitute one of these non-essential items with XRP every week since 2015?

We leveraged Uphold’s Dollar Cost Averaging (DCA) calculator to evaluate the financial impact over the past decade, and the results were mind-blowing. For the uninitiated, Dollar Cost Averaging is a method of investing where you put in the same amount of money regularly, no matter what the market price is.

A Possible Retirement Solution

Data from Uphold’s DCA calculator shows that if you had committed $100 into XRP from May 2015 to June 2025, you would have invested a total of $53,600 within this period. However, the value of your portfolio today would be worth $3,588,980, representing an ROI of about 6,595% over a decade.

However, is this enough for retirement today? This would depend on factors such as the individual’s age, spending habits, and location. Specifically, an April 2025 survey found that most Americans aged 18 and above believe they could retire with $1.26 million. 

Interestingly, the $3.588 million returns from DCA’ing into XRP over the past decade are nearly three times the $1.26 million retirement goal. This indicates that an investor would have set themselves up for retirement if they committed $100 into XRP as a non-essential item since 2015. 

While many would believe they have missed the boat, some analysts suggest otherwise. Notably, several market commentators insist that XRP is still largely undervalued. 

As a result, they expect rapid price surges from the current level. If an investor begins a similar DCA scheme today and these projections materialize, they could see massive gains. However, it is important to note that past performance does not guarantee similar results in the future.