Bitcoin-Backed Self-Funding Calculator
Model a refinance-and-roll strategy: each year your Bitcoin appreciates, the prior loan is fully paid off with a new loan, and the difference can be taken as cash while maintaining a target Loan-to-Value (LTV). Adjust growth, interest, LTV, and withdrawals to see long-term sustainability, cash flows, and equity.
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Withdrawals — optionally limit how much cash you extract each year when you refinance. Use a fixed annual amount, or a % of the available refinance delta (i.e., the increase needed to reach your target LTV).
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Final BTC Value
$190,049,638
Final Loan
$38,009,928
Final Net Equity
$152,039,710
Total Cash (∑ 20y)
$27,727,280
Year
1
BTC Value
$1,300,000
New Loan
$260,000
Cash Extracted
$44,000
Net Equity
$1,040,000
Effective LTV
20%
Year
2
BTC Value
$1,690,000
New Loan
$338,000
Cash Extracted
$57,200
Net Equity
$1,352,000
Effective LTV
20%
Year
3
BTC Value
$2,197,000
New Loan
$439,400
Cash Extracted
$74,360
Net Equity
$1,757,600
Effective LTV
20%
Year
4
BTC Value
$2,856,100
New Loan
$571,220
Cash Extracted
$96,668
Net Equity
$2,284,880
Effective LTV
20%
Year
5
BTC Value
$3,712,930
New Loan
$742,586
Cash Extracted
$125,668
Net Equity
$2,970,344
Effective LTV
20%
Year
6
BTC Value
$4,826,809
New Loan
$965,362
Cash Extracted
$163,369
Net Equity
$3,861,447
Effective LTV
20%
Year
7
BTC Value
$6,274,852
New Loan
$1,254,970
Cash Extracted
$212,380
Net Equity
$5,019,881
Effective LTV
20%
Year
8
BTC Value
$8,157,307
New Loan
$1,631,461
Cash Extracted
$276,093
Net Equity
$6,525,846
Effective LTV
20%
Year
9
BTC Value
$10,604,499
New Loan
$2,120,900
Cash Extracted
$358,922
Net Equity
$8,483,599
Effective LTV
20%
Year
10
BTC Value
$13,785,849
New Loan
$2,757,170
Cash Extracted
$466,598
Net Equity
$11,028,679
Effective LTV
20%
Year
11
BTC Value
$17,921,604
New Loan
$3,584,321
Cash Extracted
$606,577
Net Equity
$14,337,283
Effective LTV
20%
Year
12
BTC Value
$23,298,085
New Loan
$4,659,617
Cash Extracted
$788,551
Net Equity
$18,638,468
Effective LTV
20%
Year
13
BTC Value
$30,287,511
New Loan
$6,057,502
Cash Extracted
$1,025,116
Net Equity
$24,230,009
Effective LTV
20%
Year
14
BTC Value
$39,373,764
New Loan
$7,874,753
Cash Extracted
$1,332,650
Net Equity
$31,499,011
Effective LTV
20%
Year
15
BTC Value
$51,185,893
New Loan
$10,237,179
Cash Extracted
$1,732,446
Net Equity
$40,948,714
Effective LTV
20%
Year
16
BTC Value
$66,541,661
New Loan
$13,308,332
Cash Extracted
$2,252,179
Net Equity
$53,233,329
Effective LTV
20%
Year
17
BTC Value
$86,504,159
New Loan
$17,300,832
Cash Extracted
$2,927,833
Net Equity
$69,203,327
Effective LTV
20%
Year
18
BTC Value
$112,455,407
New Loan
$22,491,081
Cash Extracted
$3,806,183
Net Equity
$89,964,326
Effective LTV
20%
Year
19
BTC Value
$146,192,029
New Loan
$29,238,406
Cash Extracted
$4,948,038
Net Equity
$116,953,623
Effective LTV
20%
Year
20
BTC Value
$190,049,638
New Loan
$38,009,928
Cash Extracted
$6,432,449
Net Equity
$152,039,710
Effective LTV
20%
| Year | Bitcoin Value | New Loan | Principal Payoff | Interest Payoff | Cash Extracted | Net Equity | LTV |
|---|---|---|---|---|---|---|---|
| 1 | $1,300,000 | $260,000 | $200,000 | $16,000 | $44,000 | $1,040,000 | 20% |
| 2 | $1,690,000 | $338,000 | $260,000 | $20,800 | $57,200 | $1,352,000 | 20% |
| 3 | $2,197,000 | $439,400 | $338,000 | $27,040 | $74,360 | $1,757,600 | 20% |
| 4 | $2,856,100 | $571,220 | $439,400 | $35,152 | $96,668 | $2,284,880 | 20% |
| 5 | $3,712,930 | $742,586 | $571,220 | $45,698 | $125,668 | $2,970,344 | 20% |
| 6 | $4,826,809 | $965,362 | $742,586 | $59,407 | $163,369 | $3,861,447 | 20% |
| 7 | $6,274,852 | $1,254,970 | $965,362 | $77,229 | $212,380 | $5,019,881 | 20% |
| 8 | $8,157,307 | $1,631,461 | $1,254,970 | $100,398 | $276,093 | $6,525,846 | 20% |
| 9 | $10,604,499 | $2,120,900 | $1,631,461 | $130,517 | $358,922 | $8,483,599 | 20% |
| 10 | $13,785,849 | $2,757,170 | $2,120,900 | $169,672 | $466,598 | $11,028,679 | 20% |
| 11 | $17,921,604 | $3,584,321 | $2,757,170 | $220,574 | $606,577 | $14,337,283 | 20% |
| 12 | $23,298,085 | $4,659,617 | $3,584,321 | $286,746 | $788,551 | $18,638,468 | 20% |
| 13 | $30,287,511 | $6,057,502 | $4,659,617 | $372,769 | $1,025,116 | $24,230,009 | 20% |
| 14 | $39,373,764 | $7,874,753 | $6,057,502 | $484,600 | $1,332,650 | $31,499,011 | 20% |
| 15 | $51,185,893 | $10,237,179 | $7,874,753 | $629,980 | $1,732,446 | $40,948,714 | 20% |
| 16 | $66,541,661 | $13,308,332 | $10,237,179 | $818,974 | $2,252,179 | $53,233,329 | 20% |
| 17 | $86,504,159 | $17,300,832 | $13,308,332 | $1,064,667 | $2,927,833 | $69,203,327 | 20% |
| 18 | $112,455,407 | $22,491,081 | $17,300,832 | $1,384,067 | $3,806,183 | $89,964,326 | 20% |
| 19 | $146,192,029 | $29,238,406 | $22,491,081 | $1,799,287 | $4,948,038 | $116,953,623 | 20% |
| 20 | $190,049,638 | $38,009,928 | $29,238,406 | $2,339,072 | $6,432,449 | $152,039,710 | 20% |