Method. Trend = a·xᵇ with a=1.728×10⁻¹⁷, b=5.76, x = days since genesis (3 Jan 2009), calibrated to Porkopolis's published year-end table. Stress price = (multiple)·trend; Porkopolis's rarely-breached floor ≈ 0.42×, so the 16.5ᵗʰ-pctile 1-σ support is taken near 0.42×. Liabilities draw one tranche every few months from today and compound interest monthly; nothing is ever repaid. Required stack = maxₜ [ liabilities(t) ÷ (maxLTV · stress price(t)) ].
DCA logic. Each month, the slider amount buys BTC at k·trend price, where k is the "effective price paid" slider (default 0.80×). Because Bitcoin spends roughly half its time below trend and DCA captures the harmonic mean of visited prices, real cycle-aware DCA historically pays ~0.7–0.85× of trend, not 1.0×. Set k=1.0× for trend-only buying. For any candidate borrow-start date S, the model re-runs the LTV stress simulation starting at S and finds the smallest stack that survives it. The handover is the first month where accumulated ≥ required.
Disclaimer. This model is for informational purposes only. Not financial advice. Every number presented depends on an unproven assumption: that Bitcoin's historical "power-law" price trend continues for decades. It may not. This strategy uses leverage — borrowing against Bitcoin and letting interest compound without repaying. If Bitcoin's price falls far enough, your loan can be liquidated and you can lose your entire stack. Bitcoin has repeatedly dropped 70%+ in the past. Outputs marked "forever" are illustrative only and assume conditions that have never been tested over a real retirement horizon. Do not make financial decisions based on this tool.

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