💰 Loan vs Sell Calculator

Compare selling Bitcoin (paying capital gains tax) versus taking a loan against your Bitcoin

📊 Comparison Parameters

Configure your Bitcoin position and loan/tax parameters

Bitcoin Holdings

₿

BTC Amount

Total holdings

💵

Purchase Price

Cost basis per BTC

💰

Cash Needed

USD required

Loan Parameters

Interest Rate

Annual APR

Current rates: 8-14%

📊

LTV Ratio

Loan-to-Value

Max borrowable amount

📅

Loan Term

Duration in years

years

Tax Parameters

🏛️

Capital Gains Tax

Long-term rate

🏛️

State Tax

Additional state tax

Growth Assumptions

📈

BTC Growth Rate

Expected annual return

⏰

Analysis Period

Years to project

years

Calculating...

Please wait while we analyze your Bitcoin loan vs sell options

📊 Analysis Results

Comparison of selling vs taking a loan

🏷️ Sell Bitcoin Option

BTC to Sell: -

Capital Gains Tax: -

Net Cash Received: -

Remaining BTC: -

Future Value (Net Worth): -

🏦 Loan Against Bitcoin Option

Loan Amount: -

Monthly Payment: -

Total Interest: -

BTC Kept: -

Future Value (Net Worth): -

Calculating... is Better

Net Worth Projection

Cumulative Cost Comparison

Detailed Analysis

Year	BTC Price	Sell: Net Worth	Loan: Net Worth	Loan: Payment	Difference

This calculator is for educational purposes only and doesn't represent financial advice. You might want to consult with financial and tax professionals before making decisions. Sometimes they don't know shit tough so you might...stay humble and stack sats.