📋 Calculator Rules & Logic

• LTV Safety Cap: Loan-to-Value ratio is capped at 30% maximum for safety
• Interest Rate: 10% annual interest on outstanding debt
• Cash Flow Start: Withdrawals begin in 2030 (year 6)
• Automatic Adjustment: If desired cash flow would exceed 30% LTV, the system automatically reduces that year's withdrawal
• Smart Planning: The calculator attempts to reduce cash flow in previous years to build a buffer for predicted shortage years
• Bear Market Protection: During significant Bitcoin price drops, cash flow may be reduced or temporarily stopped to maintain LTV safety limits
• Compound Interest: Unpaid interest is added to the debt balance and compounds over time
• Editable BTC Prices: Click any BTC price to manually adjust it - all calculations will update automatically