Frequently Asked
Questions

The calculator takes three inputs: your spend amount, frequency, and a projected Bitcoin CAGR. It then:

• Totals your spending over the chosen time horizon (amount × frequency × years).
• Calculates BTC accumulated by dividing total spend by the current BTC price — assuming you bought BTC with every dollar instead.
• Projects future value by compounding that BTC amount at the selected CAGR: Future Price = Current Price × (1 + CAGR)^years

The result is the opportunity cost — what your portfolio could be worth if you had stacked Bitcoin instead of spending.

Each scenario represents a different Bitcoin annual growth assumption (CAGR):

• Bear 10% Conservative — similar to gold or real estate historical returns.
• Base 21% Moderate — roughly aligned with Bitcoin's long-term declining CAGR trend.
• Bull 40% Optimistic — reflects sustained adoption-driven growth.
• Hyperbull 60% Aggressive — replicates early-era Bitcoin growth. High risk scenario.

You can also drag the CAGR slider freely to any value between 5% and 60%.

A satoshi (sat) is the smallest unit of Bitcoin — 1 BTC = 100,000,000 sats.

"Sats per $ spent" tells you how many satoshis you could have bought with every single dollar you spent on your habit, at today's BTC price.

Formula: 100,000,000 ÷ BTC_price_in_USD

If BTC is at $60,000, then $1 = 1,667 sats. Small amounts add up quickly over years of compounding.

The current version uses today's BTC price as the purchase price for all accumulated BTC. This is a simplified model — it assumes you convert your habit spending to Bitcoin at the current price, then hold it to your target year.

A true DCA simulation would require fetching historical price data for every purchase date. This will be added in a future update.

Prices are fetched from the CoinGecko public API in real time. The data auto-refreshes every 60 seconds. You can also tap the ↻ button for an instant refresh.

CoinGecko aggregates prices from hundreds of exchanges. The free tier has rate limits — if you see "Unavailable," simply wait a moment and refresh.

The calculator displays values in five currencies: USD, KRW, JPY, EUR, and GBP. Select your preferred currency from the top navigation bar. Exchange rates are pulled directly from CoinGecko's multi-currency price endpoint.

Yes. In Section 02 THE FUTURE, the BTC price input is pre-filled with the live price but is fully editable. Click or tap the field and type any value you want to use for the calculation — for example, a target price for sensitivity analysis.

The ⚡ Lightning Tip box at the bottom of the page lets you save your own Bitcoin or Lightning address for quick access. Your address is stored in your browser's local storage — it is never sent to any server.

Accepted formats:

• Native SegWit: bc1q...
• Legacy: 1A1z...
• Script: 3J98t...
• Lightning invoice: lnbc...
• Lightning address: you@walletofsatoshi.com

No. Your address is saved only in your browser's localStorage. It never leaves your device and is not transmitted to our servers or any third party. Clearing your browser data will remove it.

No. SkipTheLatte is a hypothetical modeling tool for educational and entertainment purposes only. All projections are speculative. Past Bitcoin performance does not guarantee future results.

Bitcoin is a highly volatile asset. Do not make financial decisions based solely on this calculator. Consult a qualified financial advisor before making any investment.

StackFreedom.io is a resource for Bitcoiners focused on financial independence through Bitcoin accumulation. SkipTheLatte links to StackFreedom as a complementary tool — there is no financial relationship.