Timeline

Departure Jan 18 2027 (one day after 56th birthday, HOOPP threshold bonus captured). Status dropdowns track progress.

Balance Sheet

Live asset positions. Edit values, totals recompute. BTC price pulled live from CoinGecko if available.

BTC holdings

IBKR positions

Property (110 Parliament)

Net worth

Debt

Every loan and credit line. LEDN gets margin call distance. Cdn LOCs/cards get carrying cost.

LEDN BTC-backed loans

Interest accrues to principal — no cash payments. Margin call at 70% LTV. Auto Top-up appears OFF on all loans, so margin calls require manual collateral additions.

LEDN balance projection (no paydown, flat BTC)

Compounding monthly at weighted average rate. Shows what your LTV becomes over time if you don't reduce principal or add collateral.

Mortgage (110 Parliament)

Canadian unsecured (LOCs + cards)

IBKR margin

Total debt summary

Retirement / Runway

Paraguay cost of living vs Cdn-source income, your own BTC assumption, realistic projection.

Paraguay monthly budget

Income (annualized USD, net of withholding)

Monthly cash flow (USD)

Real cash leaving your bank each month. LEDN doesn't take payments (accrues to principal) so it shows as $0 cash out, but its accrual is tracked in net worth projections separately.

Your BTC assumption

Enter your own CAGR and horizon. Default 20% (long-term mean for last decade). Comparisons below show flat (0%) baseline and catastrophic (-90%) floor scenarios alongside your number.

TSLA position — delta-based projection (rolling strategy)

2,145 shares long, 21 short calls. Plan is to roll the short calls forward indefinitely, so position is never assigned. Position participates in TSLA moves at effective delta. Default 0.76 short-call delta means net ~25% capture rate on share moves.

Asset assumptions for projection

10-year projection

Each year shows projected balance sheet under your assumptions. Annual shortfall (cost minus income) drains liquid pool; surplus rebuilds it. LEDN accrues monthly. Property and Cdn debt held flat unless you change them.

Long View — through age 95

Year-by-year projection from 2026 to 2065. Every income stream switching on, every debt amortizing, BTC compounding, IBKR growing, property appreciating. Tune the assumption inputs, watch the trajectory.

Long-horizon assumptions

Trajectory

Survival check

Year-by-year detail

Property

110 Parliament. Joint tenancy preserved. SUNG sole borrower on refinance. 108 long game in notes.

Refinance (Monster Mortgage)

Co-ownership agreement (with SUNG)

Utilities transfer to SUNG

108 Parliament (long game)

Northern Cards

Cease operations by Dec 31 2026 (s.50(1)(b)(iii) requires inactive corp at year-end). ABIL claimed on 2026 returns at high marginal rate. JP $215K → ~$46K tax saving. Dissolution Q1-Q3 2027.

Loan allocation (ABIL basis)

Wind-down checklist

Action items

Notes

Tax / Income

Departure Jan 19 2027. 2026 = full-year Cdn resident return. 2027 = part-year resident with departure schedule.

Pension projections (monthly)

RRSP lump sum planner

Departure tax — BTC deemed disposition

Jan 19 2027 deemed disposition at FMV. Cost basis position to be confirmed with tax specialist. Default $0 basis is the conservative worst-case.

Section 220.4 deferral election

Canada allows electing to defer payment of departure tax until actual disposition of the asset. Security required for amounts > $16,500 (110 Parliament charge is the natural candidate). Combined with section 128.1 post-emigration loss provision, if BTC drops between departure and eventual sale, the loss reduces the deferred amount.

Not legal/tax advice. Confirm structure with cross-border specialist. Walking in already naming s.220.4 prevents being defaulted to the "report and write the cheque" workflow.

Section 217 eligibility check (annual)

Available only if 90% of worldwide income is Canadian source. Plan: accept 25% flat most years.

Departure return checklist

Notes

Notes

Running notes. Anything that doesn't fit elsewhere.