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Should You Leverage to Buy Bitcoin?

Model your complete financial picture. See exactly when leverage becomes profitable, what CAGR you need to break even, and stress-test against 50-80% drawdowns.

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Explore Leverage Scenarios

Not sure which leverage strategy fits your situation? Browse our scenario analyses covering every major loan type for Bitcoin accumulation.

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Borrow against Bitcoin

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What You'll Get

Complete Financial Profile

Input all your assets, debts, income, and expenses. The model considers your entire picture.

AI-Powered Scenarios

Get leverage scenarios tailored to your profile with break-even timelines and stress tests.

Interactive CAGR Slider

Drag the slider to explore different BTC growth scenarios. See exactly where leverage becomes profitable.

How It Works

Input Your Financial Data

Add your assets (real estate, stocks, Bitcoin, cash), debts (mortgage, loans, credit cards), and monthly income/expenses. Everything stays in your browser.

Run the Analysis

Our AI models multiple leverage scenarios specific to your situation. HELOC, margin loans, Bitcoin-backed loans — each with break-even timelines and risk assessments.

Explore & Decide

Use the interactive CAGR slider to see how different Bitcoin growth rates affect your scenarios. Find the minimum growth rate needed for each strategy to work.

What If Bitcoin Does 30% CAGR?

Explore how different Bitcoin growth rates affect leverage strategies. See break-even timelines for every CAGR and time horizon combination.

15% CAGR 20% CAGR 25% CAGR 30% CAGR 40% CAGR 50% CAGR

Explore all CAGR scenarios →

Frequently Asked Questions

What is SaylorScope?

SaylorScope is a Bitcoin leverage calculator that models your complete financial picture — assets, debts, income, and expenses — against leverage scenarios like HELOCs, margin loans, and cash-out refinances. It calculates break-even timelines, minimum profitable CAGR, and stress-tests scenarios against 50-80% Bitcoin drawdowns.

Is it safe to leverage my home to buy Bitcoin?

That depends on your financial profile, risk tolerance, and time horizon. Using a HELOC or cash-out refinance puts your home as collateral. SaylorScope helps you quantify the risk by showing the minimum Bitcoin CAGR needed to break even and what happens during severe drawdowns, but the decision is yours. It is not financial advice.

What CAGR does Bitcoin need for leverage to work?

It depends on your interest rate and time horizon. At a 7-8% HELOC rate, Bitcoin typically needs at least 19-21% CAGR over 5 years to break even. Over 10 years, the required CAGR drops to 12-13%. Higher-rate loans like personal loans (12-20%) require Bitcoin CAGR of 25%+ to be profitable.

Is my financial data private?

Yes. Your financial data is processed locally in your browser and sent to AI for analysis but is never stored on our servers. We cannot see, access, or sell your financial information. The data exists only during your active session.

How much does SaylorScope cost?

Your first analysis is completely free — no credit card required. After that, additional analyses require credits which can be purchased through our pricing page. This lets you run updated scenarios as your financial situation or market conditions change.

What leverage strategies does SaylorScope analyze?

SaylorScope models 8 leverage strategies: HELOC (home equity line of credit), cash-out mortgage refinance, margin loans against brokerage accounts, Bitcoin-backed loans, 401k loans, personal loans, securities-backed lines of credit (SBLOC), and the Saylor Strategy adapted for personal finance.

Learn Before You Leverage

Understand the mechanics, risks, and math behind every Bitcoin leverage strategy before putting your financial picture on the line.

Ready to Model Your Strategy?

First analysis is free. No credit card required.

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