Bitcoin Retirement Calculator
EN
DEbased on bitcoin-backed loans
Estimate how much loan you can draw against your Bitcoin holdings to fund retirement, while keeping LTV under control.
What are Bitcoin-backed loans?
A Bitcoin-backed loan lets you borrow cash using your BTC as collateral—without selling it. Your BTC stays with the lender; you receive fiat (USD, EUR, etc.) and reclaim your coins when the loan is repaid.
Why it’s powerful
Keep BTC exposure, access liquidity, and—if BTC outpaces your debt—grow net worth while receiving cash flow.
Tax advantage
In many countries, taking a loan is not a taxable event—so you can unlock liquidity without triggering capital gains. (Confirm locally.)
Mind your LTV
When BTC drops, LTV rises. Stay well below limits (e.g., ≤ 50%) to reduce margin-call risk.
Risk note: If LTV exceeds the lender’s threshold, you may face a margin call (add collateral or repay).
Tax note: Loans are generally non-taxable in many jurisdictions, but rules vary. Always check with a qualified tax advisor.
Quick start: Set your BTC Collateral, Interest Rate, and Desired Annual Retirement Income.
Optionally add an Initial Loan (Year 1) and/or Reinvestment into BTC. Then hit Recalculate.
Retirement Planner
Financial Forecast
| Year | BTC Price | Collateral | LTV | Loan | Interest | Debt | Reinvested BTC | Retirement Income |
|---|