Simulation setup Start here
Pick a start month — any month, past, present, or future — then step through one month at a time. Past months replay real BTC/GBP history; future months grow at your chosen rate. Each month computes the max safe draw that keeps loan-to-value at your target.
Loaded from your holdings
Any past, current, or future month
Used for any months beyond today
Upper bound for "run to end"
Accrues monthly on outstanding loan
Max safe draw lands exactly here
If you already owe something at retirement
If ticked, interest is paid from external funds at each year-end and doesn't roll into the loan. If unticked, interest compounds into the loan.