đ Bitcoin vs Mortgage Payoff Calculator
Should you pay off your mortgage or stack sats?
đ Mortgage Details
Enter your current mortgage information
Current mortgage balance
Annual mortgage rate
%
Time left on mortgage
years
Current payment amount
đ¸ Pay mortgage early OR âŋ Buy Bitcoin
For mortgage deduction
%
đ Strategy Parameters
Configure your comparison assumptions
Annual home value increase
%
Conservative to aggressive
%
Years to compare strategies
years
âšī¸ 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
âī¸ Strategy Comparison
đ¸ Pay Off Mortgage Early
âŋ Accumulate Bitcoin
Net Worth Over Time
Monthly Cash Flow
Year-by-Year Comparison
| Year | Mortgage Balance | BTC Holdings | BTC Value | Net Advantage |
|---|
â ī¸ Risk Considerations
Mortgage Payoff Risks:
- âĸ Opportunity cost of low-rate debt
- âĸ Loss of liquidity
- âĸ Missing tax deductions
- âĸ Inflation erodes debt value
Bitcoin Accumulation Risks:
- âĸ High volatility
- âĸ No guaranteed returns
- âĸ Regulatory uncertainty
- âĸ Requires strong conviction
đĄ 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. Sometimes they don't know shit tough so you might...stay humble and stack sats.