I second this answer. It is an estimate based on the exchange value of trading Steem and Steem Backed Dollars (SBD) on the exchanges. I thought it was a 7 day rolling average. But either way, it's an "Estimate."
If you want to convert any of it into actual BTC, it's actually pretty easy and there are plenty of posts that describe the process. My suggestion though it to NOT power down, but it's just a suggestion.
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I believe they changed the price feed from 7 days to 3.5 days back when they changed the amount of time it takes to convert Steem Dollars into Steem.
I don't think the estimated account value factors in the market price for Steem Dollars. I think it counts each Steem Dollar as $1.00, regardless of the current price.
I could be wrong on either of these points, but I'm about 80% sure they're correct.