Free Tool

Bitcoin Loan Calculator (BTC-to-BTC, 95% LTV, No Margin Calls)

Calculate your Bitcoin-backed loan terms and investment scenarios in real-time. This calculator models BTC-to-BTC lending with 95% loan-to-value, 5% upfront fee, and no margin calls or liquidations.

Who This Calculator Is For

This calculator is designed for Terminal Bitcoiners—those who've reached the limit of meaningful accumulation and want to make their Bitcoin work harder without selling their stack. If you're looking to access liquidity while maintaining your Bitcoin position, BTC-to-BTC lending may be the solution.

How 95% LTV Works

LTV (Loan-to-Value) means you can borrow up to 95% of your staked Bitcoin's value. For example, if you stake 10 BTC worth $1,160,000, you can borrow up to $1,102,000 (95% LTV). After the 5% upfront fee ($55,100), you receive $1,046,900 in borrowed Bitcoin that you can deploy however you choose.

How to Use This Calculator

  1. Enter your Bitcoin amount: Input how much BTC you want to stake as collateral (minimum 1 BTC).
  2. See your payout after 5% fee: The calculator shows your net proceeds—the amount you'll receive after the upfront fee is deducted.
  3. Review repayment math: See how much Bitcoin you'll need to repay and model different investment scenarios to understand potential outcomes.
Bitcoin Price: $116,000

Loan Parameters

BTC
Amount of Bitcoin you want to use as collateral
Choose your investment vehicle for the borrowed USD
1x 3x 5x
Conservative to optimistic return expectations

Loan Terms

Collateral Value $1,160,000
Loan Amount (95%) $1,102,000
Upfront Fee (5%) $55,100
Net Proceeds $1,046,900

Investment Scenario

Investment Amount $1,046,900
Shares Purchased 243,465
Expected Return 3.0x
Projected Value $3,140,700

Final Outcome

Investment Proceeds $3,140,700
Capital Gains on Investment $460,336
Net Cash $2,680,364
Retained Bitcoin 10.0 BTC

Strategy Comparison

HODL Strategy $1,160,000
Lending Strategy $3,840,364
Additional Value +$2,680,364
Multiple 3.31x
Common Questions

Bitcoin Loan Calculator FAQs

1 What is a BTC loan?

A BTC loan is a loan denominated in Bitcoin. With Loan My Coins, you stake Bitcoin as collateral and receive Bitcoin as the loan (BTC-to-BTC), not fiat currency. This eliminates margin calls because both collateral and loan are denominated in the same asset. Key features include 95% LTV (receive up to 95% of your staked Bitcoin as a loan), 5% upfront fee, and flexible terms (12 months, renewable annually up to 5 years).

2 Is this different from fiat loans?

Yes. Traditional Bitcoin loans give you fiat currency, which creates margin call and liquidation risks tied to Bitcoin's price volatility. BTC-to-BTC lending means you receive Bitcoin as the loan, so price volatility doesn't trigger liquidations. You receive the full BTC value of your collateral upfront (less the 5% fee), eliminating counterparty risk once you have the borrowed Bitcoin.

3 How is LTV calculated?

LTV (Loan-to-Value) is calculated as the loan amount divided by the collateral value. With Loan My Coins, you can borrow up to 95% of your staked Bitcoin's value. For example, if you stake 10 BTC worth $1,160,000, you can borrow up to $1,102,000 (95% LTV). After the 5% upfront fee ($55,100), you receive $1,046,900 in borrowed Bitcoin.

4 Who is eligible?

Available to individuals and entities with at least 1 BTC to stake, subject to the loan provider's eligibility requirements and jurisdictional restrictions. During referral onboarding we collect your name, email address, and phone number, plus optional country and X (Twitter) username, to make the introduction to the independent loan provider. Any required KYC/AML is completed directly with the loan provider.

View all Bitcoin Loan FAQs →

Disclaimer: This calculator is for educational purposes only and does not constitute financial advice. Past performance does not guarantee future results. Consult with a qualified financial advisor before making investment decisions.