Own Bitcoin.
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For Bitcoiners who want their entire paycheck building their stack. Explore what it takes to buy BTC with your income, borrow dollars for living expenses, and plan for market downturns.
Start with the risk math. Model ten years of prices, spending, and interest to understand how much Bitcoin your approach needs upfront. Then investigate the lenders, custody arrangements, and tools to put it into practice.
Your starting setup
Your paycheck adds Bitcoin. Your expenses and interest add debt.
Assumes no existing loan balance, all take-home income converted to Bitcoin, and living expenses borrowed monthly. Amounts are in US dollars.
Build your ten-year price path
Set each year’s price change. Follow your BTC purchases, debt, and cushion through the cycle.
Choose a path, then make it yours
Every annual change helps determine the Bitcoin needed upfront. The calculator finds the most demanding month across the full decade.
Annualized Bitcoin price change across all ten inputs.
Your starting Bitcoin requirement
The month needing the largest opening cushion sets the answer for the whole scenario.
Already own Bitcoin? Compare your balance
This comparison does not change the simulation. The chart and results always start with the calculated requirement above.
Your collateral and debt
| Year | BTC price | BTC bought | BTC held | Collateral | Debt | LTV | Cushion¹ |
|---|
BTC bought = monthly income ÷ that month’s modeled BTC price, added across the year. BTC held = opening stack + purchases to date. ¹ Cushion is the additional immediate Bitcoin price decline before assumed liquidation, with debt unchanged. All results use the calculated starting BTC. An LTV shown as “<80.0%” is just below 80%, not at liquidation (the same notation applies to your selected threshold); a cushion below 0.1% means almost no extra room.
See the monthly purchase math
| Month | BTC price | Income invested | BTC bought | BTC held | Collateral | Debt | LTV |
|---|
What this means
How this model works
This calculator follows a simple idea: buy Bitcoin with your paycheck and borrow against it to pay your bills. It shows what could happen under the numbers you choose.
- Your starting buffer is the answer. We work out how much BTC you would need upfront for each month of your ten-year scenario, after allowing for paycheck purchases, expenses, and interest. The largest of those requirements sets the starting amount. It keeps every modeled month strictly below your assumed liquidation threshold. Reaching that threshold counts as liquidation, so we use the first whole satoshi above the calculated boundary. This minimum leaves virtually no extra price-drop protection at the tightest point.
- Your Bitcoin stack. You start with no loan balance. Each month, your full paycheck buys Bitcoin at that month’s modeled price. Lower prices buy more BTC; higher prices buy less. Those purchases add to the Bitcoin you already hold.
- Your loan. Living expenses are borrowed every month. Interest is added to the existing debt first, using one-twelfth of the annual rate. No debt repayments, Bitcoin sales, or extra money are assumed.
- Your price scenario. Each annual increase or decrease builds on the previous year’s ending price. We spread that change across 12 smooth monthly steps. Real prices can fall much faster. The starting price and both presets are illustrations, not predictions or live quotes.
- The ten-year CAGR. This is the single yearly price-growth rate that would turn your starting Bitcoin price into your chosen year-ten price. It accounts for gains building on gains and losses. It uses all ten annual inputs and describes Bitcoin’s price rather than your personal investment return.
- Your borrowing risk. LTV means the amount you owe divided by the value of your Bitcoin. At 50% LTV, you owe $50 for every $100 of Bitcoin. The price-drop cushion shows how far Bitcoin could fall before reaching your liquidation setting, with the debt unchanged. We check every month after that month’s purchases and borrowing to find the tightest point—not just at year-end.
- Your limit and liquidation are different. The liquidation setting determines the minimum starting amount. Your desired LTV is only a planning reference: the model flags when borrowing exceeds it, but does not add Bitcoin to keep below it. Changing the desired LTV does not change the starting requirement; changing the liquidation setting or price path does.
- Your existing Bitcoin is an optional comparison. Enter its dollar value to see how much more you would need. The chart always starts with the calculated requirement, so changing this comparison does not change the projected results.
What is left out: taxes, fees, changes in pay or spending, sudden moves within a month, lender borrowing limits, renewals, and earlier warnings or demands for more Bitcoin. The model assumes borrowing remains available throughout the scenario. Actual lender rules may differ.
A larger buffer gives you more room, but neither continued income nor a price recovery is guaranteed.
Educational use only. These are hypothetical scenarios, not financial, investment, tax, or legal advice. Bitcoin is volatile and borrowing against it can lead to forced collateral sales. Actual lender terms govern.