📋 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 Gain %: Click any "Gain %" value in the table to manually adjust yearly growth rate - changes update dynamically as you type and all future years will recalculate from that point
• Editable BTC Prices: Click any "1 BTC Price" to manually adjust it - changes update dynamically as you type and all future years will recalculate based on the gain percentages from your new price
• Add BTC Over Time: Use the "Add BTC" inputs to specify years when you'll acquire more Bitcoin (e.g., from savings or gifts)
• Adjust Cash Flow: Use "Change Cash Flow" inputs to modify your annual withdrawal needs at specific future years
• Projection Period: Calculator models from 2025 through 2050 (26 years).