Never sell. Never trigger capital gains. Build a perpetual income machine.
📥 Treasury Inputs
₿ Treasury Setup
Total USD value of your BTC holdings at start
Conservative: 30% | Historical avg: 60-85%
🏦 Loan Strategy
Recommended: 10–20%. Never exceed 30% on volatile assets.
Typical BTC-backed loan rate: 6–12%
How often you refinance / roll the loan
Alert shown if outstanding loan / BTC value exceeds this
🎛️ Per-Year BTC Growth Overrides (optional — leave blank to use default rate)
Override the growth rate for specific years. Useful for modelling halving cycles or bear markets.
📊 20-Year Summary
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Final BTC Value
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Total Income Withdrawn
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Total Interest Paid
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Net Income (After Interest)
⚠️ Margin Risk Detected: In one or more years, your outstanding loan exceeds the liquidation LTV threshold. Consider reducing your LTV% or avoiding borrowing in high-volatility years.
Year-by-Year Breakdown
Year
BTC Value (Start)
BTC Growth %
BTC Value (End)
New Loan Taken
Old Loan Repaid
Net Income
Cumulative Income
Interest Cost
Loan Balance
Effective LTV
Status
🛡️ Risk Management Reminders
🏛️
Institutional Custody
Use Anchorage, Unchained, or Fidelity for multi-sig cold storage. No single points of failure.
📉
LTV Discipline
Never borrow more than 20–30% against volatile assets. Your model's LTV limit is shown above.
🔄
Cycle Awareness
Borrow in calm markets — not at the peak. Roll loans as BTC appreciates, not depreciates.
🔑
Multi-Sig Security
Hardware wallets, multi-signature setups, geographically distributed keys. Never a single key.