Model loan costs, collateral requirements, and multi-period rollover scenarios. All figures are estimates for planning purposes only.
Loan Parameters
?Interest Only: pay only interest monthly; principal due at end. Principal & Interest: monthly payments amortize both. Bullet: nothing due until maturity — full principal + accrued interest paid at once.
?USD cash you want to borrow. The calculator works backwards to determine how much BTC collateral you need at the chosen LTV.
$
?Optional extra USD drawn at each rollover (e.g. to buy more BTC). Increases loan balance each period. Set to 0 for standard rollover.
$
?What portion of each additional cash draw is used to purchase BTC. The remainder is treated as cash out. Affects the Est. BTC Stack and BTC Utilization columns in the forecast.
%
?Loan Amount ÷ Collateral Value. A 50% LTV on a $50,000 loan requires $100,000 of BTC collateral. Lower LTV = more buffer before margin call.
?Length of each loan period in months. At end of each term the loan matures or rolls into a new period.
mo
?How many loan periods to project. Each row in the forecast table = one complete loan term.
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Risk Thresholds
?If BTC drops so that Loan ÷ Collateral Value exceeds this %, the lender demands additional collateral. Default: 75%.
%
?If BTC drops so that Loan ÷ Collateral Value reaches this %, the lender forcibly liquidates collateral. Default: 90%.
%
BTC Price Assumptions
?If future, BTC entry price is estimated by compounding today's live price forward at your CAGR. If today or past, uses live or override price.
?Compound Annual Growth Rate for BTC price projections. Default 25%. Also used to estimate entry price when start date is in the future.
%
?Manually set BTC price at origination. Overrides live price and CAGR projection. Leave blank to use live or projected price.
$
Portfolio Context
?Enter your total BTC holdings. Used to calculate what percentage of your stack is being pledged as collateral for this loan.
₿
?Required collateral ÷ your total BTC holdings. Shows what share of your stack is locked up in this loan. Under 50% = low concentration; 50–80% = moderate; above 80% = high risk concentration.
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%
?USD value of your total BTC holdings at the current entry price. Updates with BTC price and your Total Bitcoin Held input.
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?Percentage and amount of your BTC stack that is free and unencumbered — not pledged as collateral. Formula: 100% minus BTC Utilization.
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%
Loan Summary
BTC Entry Price
?BTC/USD price at origination. Live price, CAGR-projected price (future date), or manual override.
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Required BTC Collateral
?BTC needed to secure the loan. Formula: (Loan Amount ÷ LTV%) ÷ BTC Entry Price. USD value = Loan Amount ÷ LTV%.
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Monthly Payment
?IO: Principal × (APR/12). P&I: amortizing payment. Bullet: $0 during term.
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Term Interest Cost
?IO & Bullet: Principal × APR × (Term/12). P&I: total payments minus principal.
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Amount Due at Maturity
?IO: principal only (interest was paid monthly). Bullet: principal + all accrued interest. P&I: $0 (fully amortized).
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Total Term Outflow
?All cash out during the term. IO: interest payments only. Bullet: lump sum at end. P&I: total of all amortizing payments.
?Cumulative interest across all projected periods. Grows if Additional Cash per Rollover is set.
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Effective Cost of Capital
?Total interest paid across all periods ÷ total new USD you actually received (original loan + any additional cash draws). For a simple rollover with no draws this equals APR × total years. Bullet loans show a higher rate than their stated APR because accrued interest compounds into the next balance.
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% of total capital accessed
Rollover Forecast
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Period Start ?Calendar date when this loan period begins.
BTC Price ?Projected BTC price at start of period, compounded from entry price using selected scenario rate.
Loan Balance ?Principal for this period. P1 = original loan. IO & Bullet: subsequent periods carry forward the prior balance plus any additional cash draws. P&I: resets to the original loan amount each period (fully repaid), plus any additional cash draw.
Term Interest ?IO & Bullet: Balance × APR × (Term/12). P&I: total payments minus principal.
Amount Due at Maturity ($) ?What must be repaid or rolled at end of term. IO: loan balance. Bullet: balance + accrued interest. P&I: $0.
Due at Maturity (₿) ?Amount due at maturity expressed in Bitcoin at the period’s projected BTC price. Shows how many BTC would need to be sold to repay the loan if not rolled over.
Cumul. Interest ?Running total interest paid/accrued across all periods so far.
Margin Call Price ?Loan Balance ÷ (Collateral BTC × MC LTV%). BTC must not fall below this.
MC Buffer ?% BTC can drop before margin call. (BTC − MC Price) ÷ BTC. Green >20%, amber 0–20%, red = breached.
Liq. Buffer ?% BTC can drop before liquidation. Green >10%, amber 0–10%, red = breached.
Additional Cash ?Extra cash drawn at this rollover, added to next period's loan balance.
Est. BTC Stack (₿) ?Your estimated total BTC held at the start of each period. Starts with your Total Bitcoin Held input. Assumes each additional cash draw is immediately used to buy BTC at that period’s projected price.
Est. Stack ($) ?Dollar value of your estimated total BTC stack at each period’s projected BTC price. Est. BTC Stack × Period BTC Price.
BTC Utilization ?Percentage of your estimated BTC stack pledged as collateral. Req. Collateral (₿) ÷ Est. BTC Stack. Lower is safer.
BTC Price vs. Risk Thresholds Over Rollover Periods
Investment Adviser Notice: Basilic LLC is a registered investment adviser. This calculator is provided for educational and informational purposes only and does not constitute investment, tax, or legal advice, nor an offer or solicitation to buy or sell any security, investment product, or investment strategy. Investing and borrowing against digital assets carries significant risk, including possible loss of principal capital.
No Personalized Advice: All outputs are estimates based on user-supplied inputs and simplified models. Results do not account for your specific financial situation, objectives, tax circumstances, or risk tolerance and are not intended as personalized recommendations. Actual loan terms, interest rates, collateral requirements, margin call thresholds, and liquidation prices will vary based on lender policies, market conditions, creditworthiness, and individual circumstances. Nothing in this tool creates an adviser-client relationship.
Forward-Looking Projections: BTC price projections, CAGR assumptions, and rollover forecasts are hypothetical, forward-looking estimates as of the date of use. They are provided for general planning purposes only and may differ materially from actual outcomes. Past performance does not indicate future results.
Third-Party Data: Live BTC price data is sourced from third-party providers. Basilic LLC believes such data to be reasonably reliable but makes no representation as to its accuracy, completeness, or timeliness. Third-party data is not attributable to Basilic LLC or its employees.
Risk Warning: Bitcoin and other digital assets are highly volatile. Collateral values, margin call thresholds, and liquidation levels can change rapidly and without warning. Borrowing against digital assets may result in the forced liquidation of your collateral. You may lose more than your initial collateral. Consult a qualified financial, tax, and legal adviser before making any borrowing or investment decisions.