Balance sheet calculator
See what bitcoin would have done for your balance sheet
Enter your company's revenue and cash, pick a start date, and see what buying bitcoin every month would have changed, with inflation counted. It runs on recorded prices and CPI, so there is no forecast and no growth rate to guess.
Your company
Monthly bitcoin buy
$4,167 a month
$0 of the cash on hand
Start buying in
Your numbers stay in your browser. Nothing you enter is sent or saved.
What inflation cost the cash
−$159,843
Held as cash, $1,000,000 now buys what $840,157 bought in January 2022, 16% less.
What the bitcoin is worth now
$434,631
5.6269 BTC from $241,667 put in: 58 monthly buys of $4,167, with $35 in fees.
Bitcoin share of the treasury
30%
Of $1,434,631 in cash and bitcoin at the end of October 2026.
The balance sheet, then and now
January 2022: $1,000,000, all in cash. Add the $241,667 from revenue for the monthly buys, and by the end of October 2026 the two choices look like this:
All cash
$1,241,667
Worth $1,043,195 in January 2022 dollars
Cash plus bitcoin
$1,434,631
Worth $1,205,315 in January 2022 dollars
The all-cash bar keeps the $241,667 that went into bitcoin as cash instead.
Month by month
Bitcoin prices are Onramp Terminal month-end prices through October 2026, and each buy is priced at that month's price. Inflation is CPI-U from the U.S. Bureau of Labor Statistics through September 2026, the latest reading. Fees follow Onramp Business pricing: 0.85% on a one-time buy and on the first buy of a schedule, and recurring buys after that are free. In this model, cash earns nothing. Bitcoin's price is volatile and can fall. This calculator is an educational tool, not accounting, tax or investment advice. Past performance does not guarantee future results.
How bitcoin shows up on the books
This page shows market value, not how your company reports it. For the accounting side, read our research on the new FASB guidance for bitcoin, and talk to your accountant about your own books.
Put part of your treasury on a schedule
Open a free business account to buy bitcoin with approvals for your team, and move into Onramp Treasury, built on Multi-Institution Custody, when you're ready.