$10K in Bitcoin vs Cash (Mattress) over 20 years
Bitcoin (PL)
$1.5M
Power Law
Cash (Mattress)
$10K
0% avg return
Difference
$1.5M
Bitcoin wins
50/50 Split
$737K
half in each
Portfolio Comparison
Year-by-Year Comparison
| Year | Bitcoin (PL) | Cash (Mattress) | BTC Infl-Adj | Cash (Mattress) Infl-Adj |
|---|---|---|---|---|
| 2026 | $20K | $10K | $20K | $10K |
| 2028 | $37K | $10K | $35K | $9K |
| 2030 | $64K | $10K | $57K | $9K |
| 2032 | $106K | $10K | $89K | $8K |
| 2034 | $168K | $10K | $132K | $8K |
| 2036 | $256K | $10K | $191K | $7K |
| 2038 | $380K | $10K | $267K | $7K |
| 2040 | $550K | $10K | $363K | $7K |
| 2042 | $777K | $10K | $484K | $6K |
| 2044 | $1.1M | $10K | $632K | $6K |
| 2046 | $1.5M | $10K | $810K | $6K |
Verdict
Power Law: Bitcoin wins — $1.5M more.
CAGR 20%: Bitcoin wins — $373K more.
Break-even: Bitcoin only needs 0.0% annual growth to match Cash (Mattress).
$10K Bitcoin vs Cash (Mattress)
This comparison puts $10K into Bitcoin versus Cash (Mattress) at a 0% average annual return over 20 years. Bitcoin projections use the Power Law model. Cash under the mattress earns nothing and loses purchasing power to inflation every year.
Not financial advice. Past performance does not guarantee future results.
$10K vs other assets
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