Wealth Erosion Calculator
What's the real cost of doing nothing?
Test what a sensible Bitcoin allocation looks like for your profile, and what ignoring it could cost over your investment horizon.
The Approach
After 17 years in financial markets, I've built a framework to help investors assess whether Bitcoin fits their long-term plan. Answer the questions below and get your results immediately.
Zero hype.
Your information is private and never shared.
Wealth Erosion Calculator
See how much purchasing power you're losing every year you wait—and what it could cost over 10 years.
Your Portfolio in Years
What Your Bank Statement Shows
Nominal gain:
Purchasing Power vs Hard Assets
This is the slow bleed.
Your account balance grows, but your wealth doesn't go as far as the numbers suggest.
Your account balance grows, but your wealth doesn't go as far as the numbers suggest.
Your Cash Position:
Current:
After years: (no growth)
Real value: (after 8% annual debasement)
Cash eroded:
While your cash can still buy goods, it's lost ground relative to scarce assets like property and Bitcoin. This is what wealthy families experience when portfolios don't keep pace with money supply growth.
Opportunity Cost Analysis
Opportunity cost = the wealth preservation you're foregoing by not acting.
In this case: what you could potentially miss by not having optimal Bitcoin allocation.
Catastrophic Mistake Risk
You're Caught Between Two Threats
THREAT 1: Do Nothing
Real purchasing power change:
Opportunity cost:
THREAT 2: Do It Wrong
Potential loss from bad custody/structure:
There's a third option: Do it properly.
Your Current Allocation
Total portfolio:
Cash
Equities
Bonds
Property
Bitcoin
Return Assumptions & Sources:
• Global Equities: 10% annual return (MSCI World Index, 1970-2024)
• UK Property: 4% annual return (Nationwide House Price Index, 1991-2024)
• Bonds: 3% annual return (10-year UK Gilt yield historical average)
• Bitcoin: 30% annual return (Michael Saylor's conservative estimate; 10-year historical CAGR: ~70%)
• Purchasing Power Erosion: 8% annual (M2 money supply expansion, Global Macro Investor)
• Global Equities: 10% annual return (MSCI World Index, 1970-2024)
• UK Property: 4% annual return (Nationwide House Price Index, 1991-2024)
• Bonds: 3% annual return (10-year UK Gilt yield historical average)
• Bitcoin: 30% annual return (Michael Saylor's conservative estimate; 10-year historical CAGR: ~70%)
• Purchasing Power Erosion: 8% annual (M2 money supply expansion, Global Macro Investor)
Important Disclaimers:
These projections are based on historical averages and conservative assumptions. Past performance is not indicative of future results. Bitcoin is a highly volatile asset. You could lose some or all of your investment. These calculations are for educational purposes only and do not constitute financial advice. For personalised guidance, book a free diagnostic call.