Made a calculator to figure out how much Bitcoin you need to never sell

What's up Bitcoin fam,

So I've been tinkering with this calculator that models borrowing against your Bitcoin stack instead of selling it – basically that whole hold-forever strategy where you use your coins as collateral

Been wondering myself how big my Bitcoin position needs to be before I can stop worrying about traditional retirement planning, so figured I'd build something to crunch the numbers

The idea is pretty straightforward: you keep your Bitcoin, borrow cash against it when you need money, and theoretically never have to sell (avoiding taxes and keeping exposure to price appreciation)

But working out the math gets tricky fast because you need to consider:

– How much you can actually borrow without getting liquidated

– What happens if Bitcoin crashes and your loan-to-value ratio gets dangerous

– Whether the borrowing costs eat into your gains too much

– How the debt compounds over 15-20 years of retirement

The calculator I put together lets you play with different scenarios – punch in your current Bitcoin amount, set annual withdrawal needs, adjust interest rate assumptions, and see if your strategy survives various market conditions

You can test conservative approaches (lower LTV ratios) versus more aggressive ones, factor in Bitcoin's historical growth patterns, and see exactly where things might go wrong

Built this because existing tools either skip important variables or make overly simple assumptions about how this strategy actually works in practice

Would be keen to get some eyes on it from people here who've thought about this approach – curious if I'm missing anything obvious or if the assumptions seem reasonable

Anyone else been down this rabbit hole of trying to model Bitcoin-backed retirement strategies?