Mortgage comparison calculator
Compare the long-term wealth impact of a crypto-backed mortgage versus selling your crypto for a down payment.
Calculator inputs
Adjust the values to see projections
5 years
$1,000,000
Closing costs (3.5%)
$35,000
30%
Down payment amount
$300,000
4%
$100,000
$20,000
Conventional mortgage
Sell crypto
Home value (5yr)
$1,216,653
Mortgage (6.5%)
$700,000
Down payment (30%)
$300,000
Total interest cost
-$227,500
Crypto gain missed (5yr)
-$843,650
Capital gains tax
-$111,184
Total return1
-$965,682
True annual interest rate3
9.68%
Crypto-backed mortgage
Keep your crypto working
Home value (5yr)
$1,216,653
Mortgage (7.95%)
$1,000,000
Down payment
$0
Total interest cost
-$397,500
Crypto appreciation (5yr)
+$843,650
Capital gains tax
$0
Total return2
+$662,803
True annual interest rate4
5.73%
Estimated total return
$662,803
Crypto appreciation gained
$843,650
Capital gains tax avoided
$111,184
Crypto Mortgage benefit
+$1,628,485
1 Home appreciation - Total interest - Crypto gain missed - Capital gains tax.
2 Home appreciation - Total interest + Crypto appreciation.
3 (Total interest + Capital gains tax) / Mortgage / Years.
4 (Total interest - Capital gains tax) / Mortgage / Years.
This calculator is for illustrative purposes only and does not constitute financial, tax, or investment advice. Actual results may vary based on market conditions, tax laws, and individual circumstances.