Yo. A note before you dive in
This is not financial advice.
I built these tools because I believe Bitcoin is the best money ever created, and I want every Bitcoiner to understand how they could potentially use it to achieve real financial independence.
Everything here is a calculator and a framework for thinking, not a recommendation for your specific situation. Everyone's income, risk tolerance, and stack is different. The numbers are illustrative. The decisions are yours.
Do your own research! Understand the risks. Talk to a financial professional if you need one. Bitcoin is volatile. Lines of credit involve real debt. Only do what you can afford to do.
Living on Bitcoin Smart BLOC
Do you have to sell?
Every Bitcoiner has regrets: the bitcoin they sold. The stack that went to rent, a car payment, a medical bill. You understood this asset better than almost anyone on earth. You held through the crashes, the obituaries, the mockery from the media. But life costs money, of course, and you were forced to sell.

What if you didn't have to? What if someone built a tool that let you fund your entire life with borrowed fiat, while your Bitcoin stayed untouched, compounding in the background, appreciating against the very currency you're spending. Short the dollar. Long Bitcoin. Never sell a sat. Run the speculative attack forever. That's what we built.

Bitcoin is the best performing asset ever. The Strike Line of Credit costs 13% APR. At Bitcoin's 80% 10-year CAGR, that's a 67-point spread. At a more conservative 50%, still 37 points in your favor. At 30%, still 17. In every realistic scenario, your collateral grows faster than your debt, every year, automatically. Your Bitcoin stays intact. Your income buys more. Your life gets funded. The interest is noise.

The only real risk is a crash and a bear market. The Smart BLOC engineers around it: keep your loan-to-value below 15% and even an 80% Bitcoin collapse can't liquidate your position. Your stack survives. And when Bitcoin recovers, and it always has, you're still stacking, fully loaded.

Enter your numbers. I'll show you exactly how to run it.
Your Income & Expenses
$
Total monthly take-home
$
Rent, food, bills, everything
Bitcoin Price
$
Loading live price...
Monthly Surplus
Income-to-Expense Ratio
Budget Health
How Much Bitcoin to Collateralize
Based on your monthly expenses
All tiers allocate 100% of income to Bitcoin.
Minimum
Recommended
Ideal

Your Monthly Playbook

How your income gets allocated each month
Month 1 of 60
Yr 1Yr 2Yr 3Yr 4Yr 5
Drag to scrub through any month of the 5-year journey
Buy Bitcoin
Line of Credit (funds your lifestyle)
Monthly Draw (living expenses)
Interest /mo (capitalizes onto LoC balance)

5-Year BTC Stack: Smart BLOC vs Save the Surplus

The Strategy

The Smart BLOC separates two things that people usually conflate: income and living expenses. Instead of spending your income on life and investing the leftovers, you invest all of your income into Bitcoin and borrow against the collateral to fund your life. Strike charges 13% APR on the loan. Bitcoin has historically compounded at 50–80% annually. The arbitrage is the point.

The LoC balance grows over time from drawn expenses and capitalized interest. But as long as Bitcoin appreciates faster than 13%, your collateral grows faster than your debt, and your net BTC position improves every year.

Why 15% LTV?

Strike liquidates positions at 85% loan-to-value. To survive an 80% Bitcoin crash without liquidation, you need your LTV to stay below 85% even after collateral drops to 20% of its current value.

LTV after 80% crash = current LTV ÷ 0.20
15% ÷ 0.20 = 75% LTV — safely below the 85% liquidation threshold

At 15% LTV, an 80% crash takes you to 75% — a 10-point cushion. At 20% LTV, the same crash takes you to 100%: liquidated. The 15% ceiling is not arbitrary; it's the maximum that survives the worst crash Bitcoin has ever experienced.

How Collateral Targets Are Sized

The tier targets (Minimum 15%, Recommended 5%, Ideal 2%) define the day-one LTV when you open the LoC and draw your first month of expenses. The BTC required is:

Required BTC = Monthly Expenses ÷ (Target LTV × BTC Price)

At Recommended (5% LTV): if expenses are $5,000 and BTC is $85,000, you need $5,000 ÷ (0.05 × $85,000) = 1.18 BTC. Your $100k in collateral backs a $5k loan — a 5% LTV with enormous room to breathe.

Monthly Playbook Logic

Each month runs in this order:

  1. Interest capitalizes — accrued interest adds to the LoC balance (not deducted from income)
  2. Full expenses drawn — your living expenses always come from the LoC in full, no missed payments
  3. Income arrives — if the draw pushed LTV above 15%, income pays down principal until LTV returns to 15%; any remaining income buys Bitcoin
If LTV > 15%: paydown = min(income, LoC balance − collateral × 15%)
BTC purchased = (income − paydown) ÷ BTC price

This means expenses are always fully funded, LTV is actively defended, and every dollar not needed for paydown goes into Bitcoin.

Worked Example — Month by Month

Assumptions: $8,000/month income, $5,000/month expenses, 1.18 BTC collateral at $85,000 (Recommended tier, 5% LTV), flat price for simplicity. Purchased BTC is pledged as additional collateral each month.

MonthLoC BalanceCollateralLTVPaydown→ BTC
Start$0$100,3000%——
1$5,000$100,3004.99%$00.0941 BTC
2$10,054$108,3009.28%$00.0941 BTC
3$15,163$116,30013.04%$00.0941 BTC
4$20,327$124,30016.35%$1,6820.0743 BTC

LoC Balance is shown after interest and draw, before paydown. Collateral includes all BTC purchased in prior months. By month 4, the LoC pushes LTV above 15%, so $1,682 of income pays it back down. The remaining $6,318 buys Bitcoin. At any positive BTC price growth, collateral expands faster and the paydown threshold is reached later or never.

Projection Assumptions
  • APR: 13% annually, compounded monthly (0.13 ÷ 12 per month)
  • BTC growth: Conservative 30%, Moderate 50%, Historical 80% annualized — applied as a smooth monthly rate
  • Starting collateral: Set by the selected tier (Minimum / Recommended / Ideal)
  • Save the Surplus baseline: invests only the income surplus (income − expenses) each month with no LoC — represents the traditional "save and invest" approach
  • No taxes, no fees beyond APR, no price volatility within the simulation period — the tool models the structural advantage, not every variable