See the real cost of selling — down to the tax dollar. Find out whether your loan survives the next crash, and where you're quietly overpaying. Free tools, run on your Bitcoin with live market data.
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Pick what brought you in — we'll open the right tool, pre-filled.
Every tool
Eleven free calculators. Scan by what you're trying to figure out.
Should I borrow instead of selling?
From a down payment to a 30-year retirement — every way to use your Bitcoin without selling it.
Selling costs you tax today and upside forever. See the 10-year gap vs. borrowing.
Could you live off your Bitcoin for 30 years, and never sell?
Borrow against your Bitcoin to buy more at the dip.
Hand your heirs the entire stack — the capital-gains tax resets to zero.
The exact dollar value of every Bitcoin you sold — if you'd just held.
Your whole net worth — salary, home, car, savings — measured in Bitcoin, and where it heads over five years.
Am I overpaying somewhere else?
Put your current lender side-by-side with Lygos on rate, fees, and custody.
Is my loan actually safe?
See a crash before it happens — margin-call price, buffer, and time to react.
See exactly how far Bitcoin can fall before your loan hits a margin call.
Bitcoin drops 30% at 3 AM — how long do you have?
A 2008- or COVID-style shock hits everything at once — see if your loan and net worth survive.
Any lender, one screen — live LTV, crash buffer, and what Lygos would save you.
Entities hit top tax rates fast — a trust pays the top capital-gains rate after just ~$15K of gains.
Pick a structure to open the Sell vs. Borrow calculator, pre-filled ↓
Describe your situation in plain words. We'll point you to the right one.
The same Lygos loan behind every tool — non-custodial and DLC-secured, with nothing ever leaving the blockchain.
Non-custodial
Your BTC stays on Bitcoin L1, in a DLC
$0 origination
You only ever pay interest
10% APR
All-in, no hidden tiers
These tools provide estimates for educational purposes only and are not financial advice. Bitcoin-backed lending involves risk, including liquidation of collateral. Consult a qualified advisor before borrowing.