Bitcoin vs real estate calculator
This calculator compares two uses of the same money: a home bought with a mortgage, and the same down payment and monthly payments put into bitcoin instead. You choose both growth rates, because nobody knows them, so the result shows what each assumption implies and predicts nothing. Today's bitcoin price was 74,861 USD on November 8, 2026, but the comparison runs on the rate you pick, not on that price.
- Home equity after the years
- 269,772 USD
- Same money in bitcoin
- 590,951 USD
- Monthly mortgage payment
- 1,919 USD
- Home value
- 537,567 USD
- Loan left
- 267,794 USD
- Down payment and payments made
- 310,227 USD
Worked example
Buy a 400,000 USD home with 20% down and a 30-year mortgage at 6%: the monthly payment is 1,919 USD. If the home grows 3% a year, after 10 years you own 269,772 USD of it, its value less the loan left. Put the same down payment and the same payments into bitcoin growing 10% a year and you would hold 590,951 USD.
How it works
Down payment = price × the down share, and the loan = price − down payment. The monthly payment = loan × r ÷ (1 − (1 + r)^−n), where r is the yearly rate ÷ 12 and n the months of the term. Loan left after the years held = loan × (1 + r)^k − payment × ((1 + r)^k − 1) ÷ r after k payments. Home value = price × (1 + home growth)^years, and equity = home value − loan left. The bitcoin side starts with the down payment, grows each month by (1 + bitcoin growth)^(1/12) − 1 and receives each monthly payment while the mortgage runs. Both growth rates are yours.
What this leaves out
The comparison leaves out rent you would otherwise pay or earn, upkeep, insurance, property tax, the costs of buying and selling a home, and taxes on either side. A home can also be lived in, and bitcoin cannot. Bitcoin's price has fallen by half or more several times, so a steady growth rate is an assumption, not what usually happens.
Frequently asked questions
Is bitcoin a better investment than real estate?
Nobody can say in advance. The result depends on the growth rates you enter, and bitcoin's price swings far more than house prices. This calculator shows what each assumption would produce, not which is likelier.
Should I buy bitcoin with the money for a house down payment?
That is a personal decision this page cannot make. Compare what you could lose: a down payment in bitcoin can fall sharply in value, and you would still need a place to live. The calculator shows the arithmetic of both.
What is home equity?
The value of the home minus what you still owe on the mortgage. It starts at the down payment and rises as you repay the loan and, if it happens, as the home gains value.
More bitcoin tools
- DCA calculatorWhat buying a fixed amount every week or month would be worth now.
- Investment calculatorWhat an amount bought on any date is worth today, and its annual return.
- Profit calculatorProfit, return and break-even price on a trade, fees included.
- Average cost calculatorYour average buy price across several purchases, and the profit or loss at today's price.
- Price target calculatorWhat your bitcoin is worth at a price you choose, and what a money goal takes.
- Portfolio trackerWhere your bitcoin is held, what it is worth today and your profit or loss, saved only in your browser.
- Bitcoin ETF fee calculatorWhat a spot bitcoin ETF's annual fee takes over the years, against holding coins yourself.
These tools are for information, not financial advice. An exchange quotes its own price, which includes its spread and fees.
Sources
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