Frequently Asked Questions
What is a SBLOC?
A Securities-Backed Line of Credit (SBLOC) lets you borrow against your investment portfolio without selling your stocks. You use your portfolio as collateral and pay only interest on what you borrow, while your investments continue to grow.
How accurate are the calculations?
Our calculations use industry-standard formulas for mortgages, taxes, and investment growth. However, actual results may vary based on market conditions, tax situations, and lender terms. We recommend consulting with a financial advisor before making major decisions.
Is my data stored anywhere?
If you create an account, your saved scenarios are stored securely. If you use the calculator without logging in, your data stays in your browser only and is never sent to our servers.
What tax rates should I use?
Use your actual marginal tax rates. For capital gains, most people pay 15% federal (20% if income exceeds $500K). Add your state tax rate to get the total. Consult your tax advisor for your specific situation.
How does the SBLOC interest strategy work?
With "Pay Monthly", you pay SBLOC interest each month like a regular loan. With "Capitalize", interest is added to your loan balance. Capitalizing keeps monthly costs lower but increases total interest paid.