The Lifetime Simulator runs thousands of 30-year Bitcoin price paths (Monte Carlo) to answer one question: could you fund your living expenses by borrowing against your BTC each year instead of selling it? It estimates your safe borrow rate — the annual draw your stack can support across most scenarios without liquidating.
Borrowing to live keeps your Bitcoin intact and avoids capital-gains tax, but it adds debt and liquidation risk that the simulation stress-tests. Free, runs in your browser, no signup.
Potentially — by borrowing a sustainable amount against your holdings each year and letting the BTC continue to appreciate. Whether it works depends on your stack size, spending, interest rate, and Bitcoin's path, which is exactly what the simulator tests across thousands of scenarios.
It's a method that runs many randomized future price paths rather than a single guess, then reports the share of outcomes in which your plan survives. It captures the uncertainty of Bitcoin's volatility instead of assuming one fixed return.
The annual amount you can draw against your Bitcoin that survives most simulated scenarios without hitting liquidation. It's the borrowing analogue of the '4% rule' for stock portfolios, adjusted for Bitcoin's volatility and your loan terms.
No — it's an educational model using simplified assumptions. Results vary with inputs and real markets. Consult a qualified financial professional before relying on any strategy.