This app helps plan for financial independence and time sovereignty (FITS) through bitcoin. Input timeline needs, customize accumulation, and test various withdrawal strategies to understand your potential for financial independence. Realistic AI-based volatility can be added to known price models.
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Monthly withdrawal
The amount withdrawn from your portfolio through sales or from a collateralized loan. During accumulation, this is zero. If you have partial income enabled for a period at the start of retirement, the withdrawals are reduced by that amount for the first months.
Note that inflation is also taken into account as withdrawals increase with the selected inflation percentage.
Portfolio Value Estimate (BTC)
This shows your portfolio over time, including ups during accumulation if you had this enabled, or just drawing down in sell-mode style as you exchange bitcoin for the things you need (expressed in BTC).
If you took out a loan against your bitcoin, the simulator assumes you would take back collateral when price permits, hence the portfolio value can go up again in this mode.
If the portfolio drops below zero at any given time, your strategy does not hold up.
Portfolio Value Estimate (US$m)
This shows your portfolio over time, including ups during accumulation if you had this enabled, or just drawing down in sell-mode style as you exchange bitcoin for the things you need (expressed in USD).
If the portfolio drops below zero at any given time, your strategy does not hold up.
Loan collateral
In case you selected loan-mode withdrawals, this shows the total amount of bitcoin put up as a collateral with the lending provider at any given time. It would go back down as price increases, since less and less bitcoin is necessary to back up your outstanding loan claim.
Total loan amount
Accumulated value of all withdrawals and, if applicable, origination and rollover fees.
Bitcoin Price Model
This is the price against which the strategy is simulated.
It contains in part the historical reference price, and in part the modeled price
Note the axis is in USD million, and while these price models may generally seem overly bullish, consider the USD supply and bitcoin scarcity are both only going up.
Models are not reality so be sure to simulate your strategy against various models to increase confidence, and set a significantly low portfolio risk % if you want to avoid surprises.
Fiat values shown in US$m, not corrected for inflation unless stated otherwise.
Data is shown on linear scale except the price graphs, which are shown on a logarithmic scale.
The generated price trajectory includes historical data and projections.
Models are speculative and can't guarantee future prices. USD supply and Bitcoin scarcity are both on the rise, adding to uncertainties.