Buy Borrow Die Compound Interest Calculator

Buy, Borrow, Die Compound Interest Calculator

Everyone talks about the "Buy, Borrow, Die" strategy. Almost nobody can tell you how much margin you can use before a margin call becomes a reality.

This calculator answers the questions that actually matter:

😰 How much can my portfolio drop before I get margin called?

Stop guessing at what "40% LTV" really means. This tool shows your exact drawdown cushion in both dollars and percent, for every single period of your projection.

📅 What day do I actually hit my net worth goal?

Type in your target $500K, $1M, whatever you're chasing and the calculator finds the the exact date you're projected to cross it. No more guessing, no more spreadsheet gymnastics.

📊 What's my LTV doing over time and when does it peak?

Track your loan-to-value ratio period by period, and instantly see the highest LTV you'll hit during the entire projection and exactly when it happens, often years before or after you'd expect.

What's included:

• A clean, editable Dashboard tab where you can plug in your own loan balance, interest rate, growth assumptions, and timeline.
• Independent compounding settings for your loan and your portfolio (monthly, weekly, daily, etc.)
• A full month by month (or week by week) ledger tracking your loan, your assets, and your net worth.
• Margin call / drawdown estimator with your own maintenance margin requirement
• Net worth goal finder.
• Built-in chart visualizing your loan, portfolio, and net worth over time.
• Works in both Excel and Google Sheets

Video Explainer: https://www.youtube.com/watch?v=x0YcdHqm3E4

This is an educational modeling tool built to help you understand the mechanics of leverage and stress-test your own assumptions before you make real decisions. It is not financial advice, I am not a financial advisor. Always consult a financial advisor before borrowing against your portfolio.