Buy · Borrow · Die

Simulate the wealth strategy used by affluent investors: buy appreciating assets, borrow against them tax-free, and pass wealth to heirs with a stepped-up basis.

Python-Powered Calculations (Auditable)
Status
—
Run simulation
Final Net Worth
$—
in today's dollars
Peak Leverage
—%
highest loan/asset ratio
Total Borrowed
$—
nominal sum of all draws

Projection Chart

Calculating...

Year-by-Year Breakdown

Year Start Asset End Asset Start Loan New Borrow Interest End Loan Leverage Net Worth
Enter parameters and click Calculate to run simulation

How This Calculator Works

Each year, your assets grow by the Investment Growth %, your existing loan accrues interest, and you take a new borrowing draw that scales with inflation to preserve real spending power. The tool caps total year-end leverage (loan ÷ assets) at your Max Leverage %. If the cap would be exceeded, borrowing is automatically reduced for that year.

Auditable Code: All financial calculations are performed in Python (calculator.py). The JavaScript frontend only handles UI and visualization. Review the Python source to verify the math.

Strategy Context

The classic Buy-Borrow-Die approach works as follows:

Key Risks