The BTC Balance Sheet re-denominates your entire financial life in Bitcoin instead of dollars. Enter your holdings, salary, home, car, savings, and debts, and it shows each line of your net worth in BTC today — and how it drifts over the next five years as Bitcoin appreciates against everything else.
It's a mindset tool: priced in sats, a salary that rises in dollars can still be shrinking, and a house can lose ground even as its price climbs. The one line that holds is your Bitcoin — which is the case for borrowing against it rather than selling. Free, no signup, runs in your browser.
Instead of measuring your assets in dollars, the tool divides each one by the Bitcoin price, so everything is expressed in BTC. Because Bitcoin has historically appreciated faster than salaries, homes, and cash, most assets shrink when measured this way — even when their dollar value rises.
Each non-Bitcoin asset is grown at a normal rate (or depreciated, for a car), while Bitcoin is projected with a choice of models — a power-law curve, or a steady 10% or 20% per year. Dividing the two shows how each asset trends against BTC. These are illustrative assumptions, not forecasts.
Selling realizes capital-gains tax and gives up future upside; borrowing against your BTC lets you access cash while keeping the asset that's outpacing everything else on your balance sheet. See the Sell vs. Borrow tool for the exact tax math.
Yes — completely free, no account, and nothing leaves your browser.