Compare a larger home down payment with using that cash to buy Bitcoin
Compare two ways to use the same cash when buying a home. Adjust the assumptions to see how each strategy changes over time.
How this calculator works
Strategy A applies all available cash toward the home. Strategy B uses half of the available cash for the down payment and invests the other half in Bitcoin. Both strategies use the same home-price, appreciation, mortgage-rate, loan-term, and time-horizon assumptions.
Purchase setup
Growth assumptions
Adjust the assumptions to compare the two strategies.
- Mortgage
- —
- Monthly P&I
- —
- Bitcoin invested
- $0
- Mortgage
- —
- Monthly P&I
- —
- Bitcoin invested
- —
Projected net position
What this means
A plain-language summary of the tradeoff under your selected assumptions.
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Approximate annual Bitcoin return at which the two modeled strategies produce the same projected net position.
Detailed comparison
See how home equity, financing costs, and Bitcoin value contribute to each result.
| Metric | Larger Down | Down + Bitcoin |
|---|---|---|
| Projected home value | — | — |
| Remaining mortgage | — | — |
| Home equity | — | — |
| Bitcoin value | $0 | — |
| Mortgage interest paid | — | — |
| Net modeled position | — | — |
Methodology & assumptions
This calculator compares two uses of the same available cash. Strategy A applies all available cash to the down payment. Strategy B applies half to the down payment and invests the other half in Bitcoin.
Results use standard mortgage amortization and the assumptions selected above. The comparison is designed to make the cost of additional financing visible alongside the modeled growth of the Bitcoin allocation.