BTC To Retire
Bitcoin vs Mortgage Payoff Calculator
Should you pay off your mortgage or stack sats?
📋 2026 federal tax landscape — who actually benefits from the mortgage interest deduction
- Ordinary rates: 2026 IRS brackets keep the 10/12/22/24/32/35/37% structure.
- Standard deduction: $16,100 single / $32,200 married filing jointly. Mortgage interest only helps if you itemize.
- Mortgage interest cap: depends on loan date and current law. Use the input below as your effective benefit rate.
- State and local taxes: SALT treatment can materially affect whether itemizing is worthwhile.
The "Marginal Tax Rate" input below is your effective benefit rate — the federal-plus-state rate you actually save per $1 of mortgage interest deducted. If you take the standard deduction, set this to 0% (you get no mortgage benefit). If you itemize and you're at 33% federal + 5% state, set ~38%.
🏠 Mortgage Details
Enter your current mortgage information
Current mortgage balance
Annual mortgage rate
%
Time left on mortgage
years
Current payment amount
💸 Pay mortgage early OR ₿ Buy Bitcoin
For mortgage deduction
%
📈 Strategy Parameters
Configure your comparison assumptions
Annual home value increase
%
Conservative to aggressive
%
Years to compare strategies
years
ℹ️ How This Calculator Works
Strategy A: Use your "Extra Monthly Amount" to pay down your mortgage faster
Strategy B: Keep paying minimum mortgage payments and use that same "Extra Monthly Amount" to buy Bitcoin monthly
Result: Compare your net worth after the analysis period under both strategies
⚖️ Strategy Comparison
💸 Pay Off Mortgage Early
₿ Accumulate Bitcoin
Net Worth Over Time
Monthly Cash Flow
Year-by-Year Comparison
| Year | Mortgage Balance | BTC Holdings | BTC Value | Net Advantage |
|---|
⚠️ Risk Considerations
Mortgage Payoff Risks:
- • Opportunity cost of low-rate debt
- • Loss of liquidity
- • Missing tax deductions
- • Inflation erodes debt value
Bitcoin Accumulation Risks:
- • High volatility
- • No guaranteed returns
- • Regulatory uncertainty
- • Requires strong conviction
💡 Strategic Insights
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.