Four calculators, each answering the question one person actually has: the renter thinking of buying, the landlord, the homeowner with a mortgage, and the buyer choosing between two ways in. They share one engine and one set of housing costs, and your assumptions travel between them.
Your assumptions follow you. The links between the four pages carry the settings they share: the horizon, how fast house prices grow, the cost of selling, bitcoin's scenario, the tax settings and the dollar basis. Inputs that belong to one chair, such as a rent or a loan balance, stay on their own page. Every page also writes its state into the address bar, so a link you save or send comes back to the same numbers.
One engine, and the house gets its due. All four run on the same housing model, with the same costs of owning and of selling and the same tax treatment, so they cannot disagree about what a house does. Bitcoin's path comes from the Power Law, a fit to its whole price history used as an assumption and not as a forecast, shown as three scenarios beside plain what-ifs where bitcoin halves or goes nowhere. A home is also somewhere to live, and a paid-down mortgage is a sure return; the pages count both rather than treat the house as a bitcoin that underperformed.
Not the ones the pages share. The links between the four calculators carry the horizon, how fast house prices grow, the selling costs, bitcoin's scenario, the tax settings and whether figures show in today's dollars, so the next page opens on the assumptions you just set. Inputs that belong to one page only, such as a rent or a loan balance, stay on that page. Each page also writes its state into the address bar, so a link you save or send comes back to the same numbers.
Do these pages say bitcoin beats a house?
No. They put numbers on a trade-off people usually make on instinct, and they show the cases where the house wins: bitcoin at the model's floor, bitcoin going nowhere, bitcoin halving. A home is also shelter, and paying off a mortgage is a sure return; the pages count both. Bitcoin's growth is a projection under the Power Law model, a description of its history and not a forecast.
Why isn't Bitcoin-Backed Mortgages one of the four?
Because it answers a different kind of question. The four pages compare holding bitcoin against putting the same money into a home. Bitcoin-Backed Mortgages is about borrowing against bitcoin you already hold in order to buy, which is a lending decision with its own risks (liquidation, the lender, rehypothecation). It is linked from here as a neighbour, along with the lender comparison.
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