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House Deposit vs Bitcoin — Long-Term Outcomes

You’ve saved a deposit. Option A: buy a property with a mortgage; your equity grows as the home appreciates and the loan shrinks. Option B: invest the same deposit in Bitcoin on day 1 and let it compound. This tool shows both paths side-by-side over time.

To keep it clean, we ignore ongoing costs, taxes, rent saved, and selling fees—so you can focus on the initial-capital choice.

Reference benchmarks:
About these BTC numbers: The 5-yr and 10-yr figures are historical CAGRs (computed between fixed dates). The ~29% chip is a forward-looking example from external research/remarks (e.g., ARK Invest / MicroStrategy). These are scenarios—not guarantees. You can always type your own BTC CAGR below.

Inputs

$
%
We invest the same dollar deposit in the BTC path on day 1.
%
%
%
Click a BTC chip above (e.g., ~29%) or type your own assumption.
11530
Reminder: This v1 keeps things apples-to-apples on the initial cash. It ignores maintenance/insurance, taxes, rent saved, or rental income.

Results

Property equity in year 15: $—
BTC value in year 15: $—
Difference: $—
Property equity BTC value

Year-by-Year Table

Year Property Value Mortgage Balance Property Equity BTC Value
Important: Educational illustration only; not financial advice. Markets are volatile and forward returns are uncertain.
How we think about the BTC CAGRs

Historical CAGRs (e.g., 5-yr, 10-yr) are computed between fixed dates (e.g., Oct 5, 2020 → Oct 5, 2025 and Oct 5, 2015 → Oct 5, 2025). They describe the average yearly rate that would have turned the start price into the end price. Past returns don’t predict future returns.

Forward-looking scenarios (e.g., “~29% lower case”) come from external long-run research frameworks and commentary (e.g., ARK Invest and MicroStrategy). These are just scenarios—feel free to type a lower or higher number in the BTC CAGR box to match your view.