Buy
Borrow
Die
Monte Carlo Wealth Simulator
Model the strategy of holding appreciating assets, borrowing against them tax-free, and passing wealth via stepped-up basis at death.
Portfolio
Starting Portfolio
Annual Loan Amount
Time Horizon (years)
Market Returns
Mean Annual Return
Return Volatility (σ)
Borrowing Strategy
Borrow Rate
Margin Call Threshold (LTV)
Settings
Pay Interest Annually
Stepped-Up Basis at Death
Capital Gains Tax Rate
Simulations
RUN SIMULATION
Median Final Wealth
—
run to see results
Margin Called
—
% of simulations
90th Percentile
—
best 10% of paths
10th Percentile
—
worst 10% of paths
Outcome Distribution
— runs
Margin Called (0%)
Below Initial (0%)
1x–3x (0%)
>3x (0%)
Portfolio Paths
Final Distribution
Loan Risk