₿itcoin Compound Growth Calculator
See how your Bitcoin stack grows over time. Adjust your starting amount, annual appreciation, regular buys, and time horizon.
Your Inputs
BTC 10yr CAGR has been ~80%. Be conservative.
Final BTC Stack
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Final USD Value
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Total Invested
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Gain (×)
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💸 Borrow Without Selling Calculator
The strategy: never sell your Bitcoin. Each year, borrow a small % of your portfolio's value. As Bitcoin rises the next year, that increase more than covers the loan repayment — then you borrow again.
How it works: You borrow 4% of your BTC value in Year 1. Bitcoin goes up. In Year 2, you borrow 4% again — enough to repay last year's loan and have spending money left over. You never sell. You never trigger a capital gains event. Your stack keeps compounding. 🦁
Your Inputs
BTC Value (final yr)
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Total Cash Received
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Outstanding Loan
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Net Worth
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| Year | BTC Value | New Loan | Loan Repaid | Cash in Pocket | Outstanding Debt | Net Worth |
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