Bitcoinmath Calculators Flip The Script On Money
For most of our lives, you and I have been told that “responsible” money habits look something like this:
- Pay down your debt fast
- Save cash in the bank
- Make big down payments on cars and homes.
But here’s the hard truth…
Those habits might actually be keeping your money stuck doing nothing, while inflation silently eats away at its true value.
What if you could put that same money to work in high-performing assets instead?
That’s where Bitcoinmath comes in.
What is Bitcoinmath?
Bitcoinmath is a free, easy-to-use website that lets you plug in real numbers and compare different money moves.
This empowers you to see for yourself what financial decisions actually make sense, instead of blindly following outdated advice.
These use Bitcoin data and a clever core concept called “OPM” – Other People’s Money.
But don’t get it twisted, this isn’t about taking wild risks. It’s about rethinking how you use your cash and debt to grow wealth over time.
Here, we’re going to take a quick walk through how this works, and how Bitcoinmath helps you model it with numbers – not just theory.
Note: The strategies in this article are for educational purposes only and aren't financial advice. All investments carry risk, and outcomes can vary.
Rethinking “Responsibility” in a Broken System
Paying off your mortgage early, keeping savings in the bank, and leaving your home equity untouched might feel responsible.
But when you crunch the numbers, especially over the span of 10, 20, or 30 years…these moves often come at a high cost: Missed opportunity.
Why?
Because that money could have been working for you in assets that grow, rather than just sitting there looking tidy on paper.
Bitcoinmath helps you model exactly this sort of situation. What would it look like if you did other things with that money?
Use Other People’s Money (OPM)
One of the most powerful financial levers is simple: Use debt wisely.
In other words, utilize Other People’s Money (“OPM”).
OPM is a wealth-building principle that’s been around forever. In a nutshell, it means using low-interest debt to purchase assets that outperform that debt over time.
As long as debt has existed, real estate investors, business owners, and even corporations have used this exact approach.
Now, thanks to tools like Bitcoinmath, everyday people can run the numbers to do the same, using Bitcoin’s performance as a clear example.
Why Bitcoin?
You’re a Milk Road reader, so you’ll already know most of Bitcoin’s killer fundamentals like the back of your hand.
But just in case you need a reminder, here’s why Bitcoin stands out as a long-term store of value:
- Fixed supply: Only 21 million $BTC will ever exist.
- Hard to inflate: It can’t be printed into oblivion, like fiat currency can.
- Global and permissionless:Anyone, anywhere can use it – without asking for permission.
- Uncorrelated:It doesn’t always move in sync with stocks or real estate.
For over 16 years, Bitcoin has outperformed nearly every other asset out there. That includes stocks, bonds, real estate, and especially cash.
Small Shifts = Huge Impact (That’s the Math)
Most people put down more cash on their financed purchases to reduce their monthly payments.
It feels like a “safe” move.
But this tradeoff usually caters to short-term self comfort, rather than long-term wealth growth and preservation.
What’s more, is that it overlooks the potential of using Other People’s Money to your advantage.
Bitcoinmath helps you model financial scenarios– and how different financial decisions might perform over time.
Important note:These ideas show what’s possible, but they’re not without risk. Investments like Bitcoin can go up – but they can also go down.
Always make sure the numbers work for your situation, and know that there’s no guaranteed outcome.
Here are some practical examples:
1. Auto Purchase
Say you’re buying a car and considering a $20K down payment.
It’s common to go for the largest down payment you can afford, as the “responsible” decision.
However, other options exist.
For example, you may choose to put down $10K, and finance the rest. Then, you’re able to invest the other $10K into Bitcoin or another asset that has the potential to get you a solid return.
If the invested portion grows more significantly than the interest you’re paying on it, you get to pocket that difference.
2. Home Purchase
Home purchases are one of the biggest opportunities to use OPM, due to the sheer size of the loans.
Just like the auto purchase example, you might choose to put less money down than you intended to, and simply invest the rest.
Your investment has the chance to compound in the background, while you keep monthly payments manageable.
As long as you have a healthy loan with a favorable interest rate, this strategy could go a long way.
3. Home Equity
This is for those of you that might have equity sitting in your home.
You don’t have to keep it there – you can put it to use, on your own time.
Say there’s a buying opportunity in the market for your asset of choice. You can borrow against your home equity at a low interest rate and invest it.
4. Living a Bitcoin Standard
You’ve most likely caught onto the fact that the value of fiat currency withers away long-term, while Bitcoin and other assets tend to go up in value.
Instead of putting savings away in cash, you might choose to convert a portion of your savings to $BTC.
If you ever need more fiat, simply borrow cash against that $BTC, rather than selling it away.
The $BTC keeps working in the background, while you still get access to fiat to cover your expenses.
5. Retire on Bitcoin
This is the same concept as above, except you’re modeling how much $BTC you’d need to retire.
You could put that amount of Bitcoin away, long-term. Then, once again, you might choose to borrow cash against your coins if you need funds, to keep your upside intact.
Each of these strategies leans into using money productively, instead of opting for the norm.
Once again, remember that these ideas aren’t one-size-fits-all. It’s important to do your own research and talk to a financial professional before making any big decisions.
What’s Inflation Really Doing to Your Money?
The official inflation number (CPI) says that inflation is 2–3% per year…but that’s a little understated.
If you look under the hood, the actual money supply is growing at 5 to 7% annually, and sometimes even more.
What does that mean? Your dollars lose a ton of buying power every year – even if they’re sitting in a high-interest savings account.
Thanks to its scarcity, Bitcoin has consistently beaten this silent tax. And when you combine that with OPM strategies, the math becomes even more powerful.
Play With the Numbers Yourself
The beauty of Bitcoinmath is you don’t have to guess.
You can plug in your real-life numbers (savings, income, down payments, debt levels) and run the scenarios yourself.
Here are some of the calculators currently available:
- Auto Purchase: Down payment vs Bitcoin investment.
- Home Purchase: Mortgage size vs Bitcoin growth.
- Cash Savings vs. Bitcoin:Long-term value of your cash.
- Home Equity:Borrowing against home value.
- Retirement Savings:How much BTC to hit your goals.
- 529 College Savings: Traditional vs. Bitcoin growth.
- Rental Property vs. Bitcoin: Which performs better?
- Selling vs. Borrowing Against BTC: Compare these two strategies.
- Living a Bitcoin Standard: Long-term fiat alternatives.
- Dollar Cost Averaging:Investing small amounts over time.
…And a couple others coming soon:
- Life Insurance Planning
- Dividend Stocks vs. Bitcoin (Check out beta version)
Each tool is designed to be simple, fast, and useful. You don’t need a finance degree – just some plain ol’ curiosity and a willingness to play with the math.
It’s Time to Think Differently
Bitcoinmath exists for one reason:
To empower people to think differently about money, giving them clear, data-driven tools – not financial myths.
It’s time to break free from the traditional advice that no longer works, in a world where cash melts, debt is cheap, and Bitcoin offers a new path forward.
So if you’re ready to stop playing defense with your money, and start playing some offense, Bitcoinmath is your hub.
And if you’ve got feedback, ideas, or personal stories of how you’re using these tools, Bitcoinmath would love to hear from you.
Drop them a DM, or tag them on socials:
TikTok: @bitcoinmath.org
Instagram: @Bitcoinmath
YouTube: Bitcoinmath_org