Free & interactive
The Buy-Borrow Cheat Sheet
Slide the borrow level and watch when a cheap loan turns into a margin-call machine.
Simulator
The Buy-Borrow Cheat Sheet
@fmaunlv
Slide the borrow level and watch when a cheap loan turns into a margin-call machine.
Portfolio value (imagine future you)
$
How much I borrow against it
Cash unlocked, tax-free today
A loan isn't income, so nothing is taxed at draw. Open the line while nothing is wrong: banks want to lend to people who don't need the money.
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Yearly interest at ~6%
Every borrowed dollar must out-earn this, or you paid to lose.
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Your loan-to-value after a 30% crash
Past ~70%, banks force sales at the worst possible moment.
...
An AI coach reads your work against the FMA playbook. Education, not financial advice.
FMA coach
Never borrow past 30 to 40% of the portfolio.Markets fall 30 to 50%. The rule is what keeps the loan survivable.
Selling is a taxable event. Borrowing isn't. Not advice.
Take the knowledge with you: the PDF is the full framework, worked examples, and the printable version of this tool.
Download the guide (PDF)One-page card
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