These transactions simulate a UK saver earning £40,000/year who dollar-cost averages £200–£300/month into Bitcoin — monthly buys from Apr 2020, switching to weekly buys from Jan 2022. Prices shown are approximate real BTC/GBP closes on each date. Use this account to explore Portfolio, Charts, Retire+ (the live simulator), and Loan Planner with a realistic DCA dataset.
Portfolio at a glance Portfolio KPIs
A snapshot of your combined crypto holdings. Total BTC shows your Bitcoin stack. Invested is your total cost basis. Current value uses live prices. P/L and Return show your unrealised gain or loss. Avg cost is your weighted average purchase price per BTC.
Loan-to-value Live LTV
Your current loan balance divided by the live market value of your BTC collateral. Green means you have plenty of headroom; amber is the watch zone; red means a BTC drawdown could trigger a margin call. Edit the loan balance inline — it saves to this device.
Transactions Transaction History
Every Bitcoin, Ethereum and Solana purchase you've made, with live P/L calculated against today's price. Click column headers to sort. Use the search box to filter by date, symbol, or location.
| Date | Sym | Amount | Price then (£) | Cost (£) | Now (£) | P/L (£) | Return | Days held | Location |
|---|
Portfolio growth — invested vs. value Growth Chart
The orange line tracks the live value of your portfolio over time. The grey line is your cumulative cost basis. The gap between them is your unrealised profit. Toggle to 'Stacked BTC holdings' to see your Bitcoin accumulation over time. Dots mark individual buys — bigger dots mean bigger purchases.
By year Yearly Breakdown
How much Bitcoin you bought and spent each calendar year. The table shows the number of purchases, total BTC accumulated, amount spent, and what that year's buys are worth today.
| Year | Buys | BTC | Spent | Now worth |
|---|
BTC bought per month Monthly Purchases
A month-by-month view of your buying activity. Orange bars show BTC purchased (left axis). The faded bars show pounds spent (right axis). Useful for spotting your DCA patterns and periods of heavy accumulation.
Best ever buy Best Performing Purchase
Your single most profitable buy — measured by percentage return. Expand 'Top 5' to see runners-up ranked by both % return and absolute £ profit.
Top 5 by % return · Top 5 by £ profit
Time machine Time Machine
Shows what your portfolio would be worth if every purchase had been made 1–5 years earlier at that date's BTC price. A powerful illustration of how early accumulation compounds. The summary KPIs at the top show the total portfolio value for each time-shift scenario.
| Date | Sym | Spent £ | BTC then | Now worth | +1y earlier | +2y earlier | +3y earlier | +4y earlier | +5y earlier |
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Loan Retirement Planner Loan Retirement Planner
An income-first model — you set the monthly income you need and the model works backwards to check feasibility. BTC grows annually, the loan refinances to 50% LTV, and the growth funds your income + interest. Each year has its own editable growth rate for scenario planning. Use the +/− buttons or click and type to adjust growth. The exit slider lets you see what you'd leave your family at any point. Read the full guide →
Income-first model · BTC-backed · Inflation-linked
Income & lifestyle
Bitcoin collateral
Loan terms
Interest reserve account
Initial loan draw (£)
Each click generates a completely new set of yearly growth rates using a statistical model grounded in Bitcoin's real history. Here's what's under the hood:
Decaying gains — Bitcoin's early years saw explosive returns (+5,000%, +1,300%), but as any asset matures, growth compresses. The model starts with an average return of ~30% in the early years and gradually tapers it to ~8% by year 30. This reflects the widely held view that Bitcoin's future gains will be meaningful but more modest than its past.
4-year halving cycle — Bitcoin's supply is cut in half roughly every four years (2024, 2028, 2032...). Historically, the year after a halving is the biggest boom, followed by a sharp correction, then recovery. The model mirrors this cycle: post-halving years get a boost, the year after tends to be a bear market, and the remaining years are moderate.
Realistic volatility — each year's return is drawn from a normal distribution, so you get genuine randomness. Early years can swing from -65% to +150%; later years tighten to roughly -20% to +40%. This mimics how volatility typically decreases as an asset class matures and liquidity deepens.
Every click is different — hit it multiple times to stress-test your plan under wildly different scenarios. Some runs will be kind, others brutal. That's the point: if your plan survives the bad rolls, you're in good shape.
Choose any year to see what happens if you sell just enough BTC to clear the loan and keep the rest for your family.
Collateral · loan balance · annual income · interest reserve
Monthly income over time (inflation-linked)
Year-by-year projection
| Year | Growth % | BTC price | Collateral | Loan balance | LTV % | Annual income | Monthly | Interest due | Reserve pot | New draw | Status |
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Documentation
Guides, references & help
Your Profile
Personalise your dashboard
Your profile is stored in your Supabase account — it syncs across any device you sign in on. Only you can read or edit it (enforced by Row Level Security).
This is a visualisation only — not financial advice.
Where it all began: Bitcoin: A Peer-to-Peer Electronic Cash System — Satoshi Nakamoto, 31 October 2008.