Compare the real cost of selling Bitcoin vs taking a Bitcoin-backed loan - Calculate opportunity cost & tax implications
Loan Start
October 2024
Loan End
October 2025
Pay capital gains tax immediately. Lose all future Bitcoin appreciation forever.
No tax event. Keep your Bitcoin. Benefit from all future price appreciation.
Opportunity cost: Sold BTC would be worth $125,335 at end
Inflation impact: Cash lost 2.6% purchasing power
You keep: 3.2875 BTC worth $401,072
Inflation benefit: Repay with dollars that lost 2.6% value
You're better off by $298,764
That's 613.2% more money in your pocket
of the time
A Bitcoin loan over 1 year comes out on top 92.4% of the time
Based on historical data from 2015-2025, assuming a 10% APY loan over 1 year duration
Scenarios analyzed
Historical data
Tax on borrowing
Disclaimer: Past performance does not guarantee future results. This tool is for educational purposes only and should not be considered financial advice.
Borrowing against your Bitcoin preserves your position while giving you the liquidity you need.