Compare the real cost of selling Bitcoin vs taking a loan against it
Start
October 2024
End
October 2025
Pay capital gains tax. Lose all future Bitcoin appreciation.
No tax event. Keep your Bitcoin and all future gains.
Opportunity cost: $125,335
Purchasing power lost: 2.6%
You keep: 3.2875 BTC ($401,072)
Inflation benefit: Repay with devalued dollars
Borrowing wins by
$298,764
That's 613.2% more in your pocket
of the time, borrowing beats selling
Based on historical data from 2015-2025, assuming a 10% APY loan over 1 year
Scenarios
Historical data
Tax on loans
Past performance does not guarantee future results. For educational purposes only.
Borrow against it instead and keep your position.