Interactive calculators, curated tools, and practical education to compare scenarios, test assumptions, and better understand the math behind ₿itcoin.bitcoinmath.orgJoined December 2024
If you've ever considered porting 100% of your income into BTC and borrowing against it for expenses, my guess is you've hit a few hurdles around the math, planning, strategy, risk, etc.
This model will help you answer all those questions.
bitcoinmath.org/calculators/li…
$500/mo into a 529 plan averaging 6% return annually produces $185K after 18 years, basically one semester of tuition due how quickly college is becoming unaffordable.
BTC 15% CAGR over the same time horizon products nearly 3x.
bitcoinmath.org/calculators/co…
Chasing a lower car payment with more cash down can be costly. You’re putting more cash into a depreciating asset while giving up the potential return that cash could earn elsewhere.
Understand the opportunity cost, do the math.
bitcoinmath.org/calculators/au…
@StrategyMaxi@hillery_dan Given your profile, it would seem you are fully ported into MSTR by borrowing against BTC. We built an income model specifically for borrowing against BTC to buy SATA/STRC for income. Would love your feedback.
bitcoinmath.org/calculators/bi…
Did you know?
A 2025 research study found that a 1% increase in U.S. M2 was associated with ~2.65% higher Bitcoin prices over the long run.
Don't believe in Bitcoin? Fine.
Do you believe the money printer ever runs out of ink?
doi.org/10.63721/25JES…
@BitPaine I am hoping you might humor me with some feedback on this triple maxi calculator. BTC base layer asset, low risk leverage, preferred equity allocation for income.
Stay long the base layer, earn monthly income, and produce a net positive carry.
bitcoinmath.org/calculators/bi…
New Calc - Generating Income on Bitcoin.
You have the base asset, you understand borrowing mechanics, and the math is clear on SATA/STRC paying 12-13% APY dividends.
All that's left is running the numbers and seeing the outputs.
Feedback welcome 🙏
bitcoinmath.org/calculators/bi…
This is why stacking with 100% of your income can be so much more powerful than stacking only with leftover cash flow.
Say you take home $10,000 per month and have $8,000 in living expenses. That leaves $2,000 in free cash flow. If you invest 20% of that into Bitcoin, you're stacking just $400 per month.
Now consider a different approach: put the full $10,000 of income into Bitcoin and borrow the $8,000 needed to cover living expenses.
Instead of acquiring $400 of Bitcoin each month, you're acquiring $10,000 — a 25x increase in monthly BTC accumulation.
The tradeoff is the liability created by borrowing. But if that capital costs roughly 5–7% annually, the potential benefit becomes clear: you're dramatically accelerating asset accumulation while paying a comparatively modest cost for the capital used to fund your expenses.
The idea is simple, the math is more nuanced, so we built a calculator to bridge the gaps🤓
bitcoinmath.org/calculators/li…
Thanks for sharing! I'm a big fan of PR, though this calculator looks like a 1 time need for cash, similar to a payday loan?
My model is focused on helping people understand how to build a long-term strategy for converting all their income to BTC and borrowing against it to live life.....indefinitely.
Both have value, so thanks for sharing 🤝
If you've ever considered porting 100% of your income into BTC and borrowing against it for expenses, my guess is you've hit a few hurdles around the math, planning, strategy, risk, etc.
This model will help you answer all those questions.
bitcoinmath.org/calculators/li…
How much BTC do you need to retire?
The answer starts with living expenses and cost of borrowing against your Bitcoin to fund them. From there, BTC required depends on the LTV you’re comfortable with, since different LTVs create different risk profiles.
bitcoinmath.org/calculators/re…
@2dogs1chic Agreed. We revised our model to help articulate the differences with a user's own inputs, assumptions, and goals. Let us know what you think.
bitcoinmath.org/calculators/re…
@AdamBLiv True story, I even look at the down payment on the home. Why drop 20% cash that'll appreciate ~5% per year when you could drop that into BTC at ~20% CAGR?
bitcoinmath.org/calculators/ho…
@DavidWetherell The methodology uses a 10-20 year time horizon, not a single day of performance. If you are day trading with your retirement savings, Godspeed!
"Retire on Bitcoin" isn't a meme, it's MATH!
We made a simple calculator anyone can use to understand their unique story in order to make more informed financial decisions.
Forget the narratives, do the math!
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