Bitcoin Loan Calculator (BTC-to-BTC, 95% LTV, No Margin Calls)
Calculate your Bitcoin-backed loan terms and investment scenarios in real time. You receive 95% of your staked Bitcoin (5% of collateral as upfront fee), can liquidate for fiat to invest, and at maturity repay the borrowed amount to receive that amount of collateral back (5% fee retained from the stake), or pay 5% of collateral to roll. 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 your collateral stays staked, BTC to BTC lending may be the solution.
How 95% LTV Works
You stake Bitcoin as collateral. A 5% fee is reflected in the advance; you receive 95%, e.g. stake 10 BTC, receive 9.5 BTC. You can liquidate that BTC for fiat to allocate to another trade (e.g. invest in MSTR or Metaplanet). At maturity you repay 9.5 BTC to receive 9.5 BTC of your staked collateral back (0.5 BTC retained as the fee), or pay 0.5 BTC to roll the loan for another year.
How to Use This Calculator
- Enter your Bitcoin amount: Input how much BTC you want to stake as collateral (minimum 1 BTC).
- See your net proceeds: The calculator shows the amount you receive (95% of collateral after the 5% upfront fee)—this is what you can liquidate for fiat to invest.
- Review repayment and outcomes: At maturity you repay the borrowed amount in BTC to receive that amount of collateral back, or pay 5% of collateral to roll. Model investment scenarios to see potential outcomes.
Loan Parameters
Loan Terms
Investment Scenario
Final Outcome
Strategy Comparison
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 95% as borrowed BTC (5% of collateral as upfront fee). You can liquidate that BTC for fiat to invest. At maturity you repay the borrowed amount in BTC (e.g. 9.5 BTC on a 10 BTC stake) and receive that amount of collateral back, or pay 5% of collateral (e.g. 0.5 BTC per year) to roll. Terms are 12 months, renewable annually up to 5 years. No margin calls (BTC-to-BTC).
2 Is this different from fiat loans?
Yes. Traditional Bitcoin loans give you fiat currency, which creates margin call and liquidation risks. With Loan My Coins you receive 95% of your staked Bitcoin (5% of collateral as fee); you can liquidate it for fiat to invest. At maturity you repay the borrowed amount in BTC and receive that amount of collateral back (5% fee retained from the stake), or pay 5% of collateral to roll. Price volatility doesn't trigger liquidations (BTC-to-BTC).
3 How is LTV calculated?
You receive 95% of your staked Bitcoin (5% of collateral is the upfront fee). For example, stake 10 BTC: 5% of collateral = 0.5 BTC fee; you receive 9.5 BTC that you can liquidate for fiat to invest. At maturity repay 9.5 BTC to receive 9.5 BTC of your staked collateral back (0.5 BTC retained as the fee), or pay 0.5 BTC to roll for another year.
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.
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.