Hosting vs Home Bitcoin Mining Cost Calculator

Quick answer

Hosting (colocation) trades a higher all-in power rate plus management fees for someone else handling noise, heat, space and uptime. Home self-mining pays your own electricity rate -- and during the heating season the miner's heat displaces heating you would pay for anyway, so that power is nearly free. This calculator computes the annual cost each way (including the heat-reuse credit), tells you which is cheaper and by how much, and gives you the break-even hosting rate -- the $/kWh at which the two tie.

Cost is only half the decision. Hosting buys you silence, no heat in summer, and managed uptime; home mining buys you sovereignty, control of your firmware, and free winter heat. On cheap power with a real heating need, home usually wins on cost; on expensive power or in an apartment, hosting often does. Adjust the inputs to your own situation. Estimates only -- not financial advice.