NEAR Protocol Investment Calculator
What would buying NEAR have been worth? Pick a plan and a start date and this replays it against real daily NEAR Protocol closes.
What NEAR actually did, in the data this page replays
Measured from the 2,161 daily closes this page replays — 14 October 2020 to 13 September 2026, from Binance. Figures are bounded by that window, not by the asset’s whole life.
| History available | 5 years and 11 months (from Binance) |
|---|---|
| Bought on the first day, held to the last | 2.01× |
| Highest close in this window | $20.18 on 14 January 2022 |
| Where it sits against that high | 88.4% below |
| Deepest fall | −95.2%, 14 January 2022 → 11 February 2026 |
| Time to get back to that peak | still below it |
| Separate falls of 50% or more | 3 |
| Days spent more than 20% below a previous peak | 89.9% |
| Best calendar year | 2021: +976.4% |
| Worst calendar year | 2022: -91.7% |
| Annualised volatility | 121.6% |
NEAR year by year
First close to last close each year. 2020 and 2026 are partial — the data starts mid-2020 and 2026 is still running.
| Year | Change | Note |
|---|---|---|
| 2020 | +19.1% | partial year |
| 2021 | +976.4% | best full year |
| 2022 | -91.7% | worst full year |
| 2023 | +186.1% | |
| 2024 | +29.5% | |
| 2025 | -71.4% | |
| 2026 | +44.1% | partial year |
The part the calculator does not show you
Held from the first day in this data to the last, NEAR returned 2.01×. That headline is the easy part. The number underneath it is that the position spent 89.9% of all days more than 20% below a previous peak — so for most of the time you owned it, you were looking at a figure lower than one you had already seen.
The deepest fall took NEAR down 95.2%, from $20.18 on 14 January 2022 to $0.962 on 11 February 2026 — 4 years and 1 month of falling. NEAR has not been back to that peak since. Anyone who bought on 14 January 2022 is still waiting, 22 months later — which is the scenario a backtest showing a positive average return quietly averages away.
At 121.6% annualised volatility, NEAR sits in the top band of anything on this site — the drawdown figures above, not the average, are the number to plan around. All NEAR calculators →
Frequently asked questions
＋Would buying NEAR on the first day of this data and holding have made money?
Yes — 2.01× from 14 October 2020 to 13 September 2026. The figure is real but it is also the single luckiest entry available in this window, and it required holding through a fall of 95.2% on the way. Set the calculator to a date you might plausibly have chosen instead and the answer usually changes a great deal.
＋What is the worst NEAR has fallen?
95.2% in this data, from 14 January 2022 down to 11 February 2026 — 4 years and 1 month of falling. It has not returned to that peak since, so anyone who bought at the top is still waiting. Bear in mind our NEAR series starts in 2020; a deeper fall before that date would not appear here.
＋How often does NEAR lose half its value?
3 separate falls of 50% or more appear in this data, and the position spent 89.9% of all days more than 20% below a previous peak. A drop of that size is not an exceptional event for this asset — it is a recurring feature of the record, which is the thing to size a position around.
＋What were NEAR's best and worst years?
2021 was the best at +976.4%, and 2022 the worst at -91.7%. The gap between those two is the reason a single average annual return is a poor description of this asset: almost nobody experiences the average, they experience one of the two extremes depending on when they bought.
＋Is 5 years and 11 months of data enough to trust this backtest?
Reasonably. 5 years and 11 months spans roughly one full cycle for NEAR — enough for the drawdown figure to mean something, not enough to call it a pattern. The assets here with a decade or more behind them support firmer conclusions.
What to keep in mind for NEAR
NEAR has traded as an AI-adjacent layer 1 as much as a general-purpose one, which has made it unusually sensitive to that narrative.
NEAR transactions cost a fraction of a cent, and contracts can pay gas on the user's behalf, so many NEAR apps feel free to use.
A backtest is one path that already happened. It shows what this plan produced through the exact sequence of prices NEAR went through — not what a similar plan will produce through a sequence nobody has seen yet.