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Bitcoin: Sell vs Borrow Calculator

Compare the real cost of selling Bitcoin vs taking a Bitcoin-backed loan - Calculate opportunity cost & tax implications

Loan Start

October 2024

12 months

Loan End

October 2025

Sell BTC

Pay capital gains tax immediately. Lose all future Bitcoin appreciation forever.

Bitcoin Loan

No tax event. Keep your Bitcoin. Benefit from all future price appreciation.

If You Sold Bitcoin

BTC sold:3.2875 BTC
Gross proceeds:$62,500
Tax paid:-$12,500
Cash in hand (real value):$48,718
BTC remaining:0 BTC

Opportunity cost: Sold BTC would be worth $125,335 at end

Inflation impact: Cash lost 2.6% purchasing power

If You Took a Bitcoin Loan

BTC collateral:3.2875 BTC
Loan received:$50,000
Interest paid:-$5,000
Loan repayment (real value):$53,590
BTC value at end:$401,072
Net position:$347,482

You keep: 3.2875 BTC worth $401,072

Inflation benefit: Repay with dollars that lost 2.6% value

Borrowing Wins!

You're better off by $298,764

That's 613.2% more money in your pocket

92.4%

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

4,720

Scenarios analyzed

10 years

Historical data

$0

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.

Start Borrowing Today

Never. Sell. Your. Bitcoin.

Borrowing against your Bitcoin preserves your position while giving you the liquidity you need.