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The independent scoring system for Bitcoin custody. Every platform scored and ranked.

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Tools

Calculators & tools

Independent Bitcoin calculators covering IRA fee comparison, Roth versus Traditional decision modeling, DCA backtests against traditional assets, and custody cost analysis. Each tool produces a shareable URL so you can save and revisit scenarios. All calculators use approximate historical data and clearly labeled assumptions; none are investment advice.

Bitcoin IRA

Bitcoin IRA

Bitcoin IRA Fee Calculator

Compare all-in Bitcoin IRA fees across the leading providers over your full holding period. Adjusts for account size, age, retirement age, and annual contribution. Shareable URLs.

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Bitcoin IRA

Roth vs Traditional Bitcoin IRA

Compare after-tax outcomes between a Roth and Traditional Bitcoin IRA under your specific assumptions about contribution size, expected growth, and tax bracket changes. 2026 federal brackets.

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Bitcoin IRA

401(k) Rollover Outcome Modeler

Project the outcome of rolling a 401(k) into a Bitcoin IRA under four growth scenarios spanning conservative to aggressive. Models contribution stream and custody fee drag.

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Bitcoin IRA

Bitcoin IRA RMD Calculator

Required minimum distributions in BTC and USD with a 5-year projection. Uses the IRS Uniform Lifetime Table.

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Custody cost modeling

Custody cost modeling

Bitcoin vs Bitcoin ETF (Taxable)

Model the cumulative fee drag of holding a Bitcoin ETF versus direct Bitcoin custody in a taxable account. ETF expense ratio against direct custody fee over 10, 20, or 30 years.

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Custody cost modeling

Fee Calculator (general)

Compare Bitcoin platform fees across all categories: exchange, custody, IRA, and yield. Annual cost estimates at any position size.

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Custody cost modeling

Platform Comparator

Side-by-side comparison of any two Bitcoin platforms across all scoring dimensions.

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Custody cost modeling

Bitcoin vs Bitcoin ETF (IRA)

Inside an IRA wrapper, the tax treatment equalizes. Pure expense ratio comparison between direct Bitcoin IRA custody and Bitcoin ETF in a conventional IRA.

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Custody cost modeling

Self-Custody vs Custodial Cost-of-Ownership

Cumulative drag of basis-point custodial fees versus hardware + estate planning + insurance costs of self-custody over 10/20/30 years.

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Custody cost modeling

Multi-Institution Custody Cost

Onramp's multi-institution custody versus single-custodian arrangements over horizon, modeling the dollar cost of architectural diversification.

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DCA backtests

DCA backtests

DCA: Bitcoin vs Gold

Backtest a dollar-cost-averaging strategy into Bitcoin versus Gold over any historical window. Ending value, total return, CAGR, and max drawdown side by side.

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DCA backtests

DCA: Bitcoin vs S&P 500

Backtest a dollar-cost-averaging strategy into Bitcoin versus the S&P 500 total return index (dividends reinvested) over any historical window.

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DCA backtests

DCA: Bitcoin vs 60/40 Portfolio

DCA into Bitcoin versus a 60% S&P 500 / 40% US Aggregate Bond portfolio, rebalanced annually.

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Portfolio planning

Portfolio planning

Bitcoin Allocation Calculator

Given age, risk tolerance, and retirement horizon, suggested Bitcoin allocation as a percentage of liquid investable assets.

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Portfolio planning

When Can I Retire on Bitcoin

Given current stack, contribution rate, and withdrawal needs, scenario-based projection of retire-on-Bitcoin outcomes using the 4% safe withdrawal heuristic.

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Inheritance and estate planning

Inheritance and estate planning

Bitcoin Estate Tax Calculator

What your heirs actually receive given different custody structures: self-custody without a plan, single-custodian, multi-institution, and trust-wrapped.

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Coming next

Additional calculators planned across portfolio allocation, inheritance modeling, and recurring Bitcoin IRA workflows. If there's a specific calculator that would help your decision, let us know.

Recurring researchComing soon

POC Bitcoin IRA Fee Index

Single-number weighted-average all-in cost across providers, updated quarterly. Each quarterly update becomes a publishable news hook.

Recurring researchComing soon

State of the Bitcoin IRA Report

Annual research report on the Bitcoin IRA category: provider growth, AUC trends, regulatory shifts, holder demographics.

Tax planningComing soon

Bitcoin Tax-Loss Harvesting Calculator

Model Bitcoin tax-loss harvesting opportunities under current wash-sale rules (pending 2026 regulatory updates).