Bitcoin
Retirement Calculator

How This Calculator Works

This Bitcoin retirement calculator helps you check whether your current Bitcoin holdings and monthly Bitcoin investment is enough to retire for the future using the following inputs:

1. Your Current Age & BTC Stack: It starts with your age today and the Bitcoin you currently hold.
2. Bitcoin Price Growth: The forecasted Bitcoin price is projected using the power law.
3. Monthly BTC Investment: We assume you dollar cost average by buying Bitcoin monthly and therefore increasing your Bitcoin holdings until retirement. We also assume you stop investing in more Bitcoin when you retire.
4. Retirement Expenses: Based on your ideal monthly expenses at retirement, we assume you sell some of your Bitcoin holdings to cover these costs. These monthly expenses grow at the inflation rate assumption which you can change in the Assumptions dropdown section.
5. Inflation Rate: With the yearly inflation rate input, your monthly expenses are assumed to increase every year. To make the calculation simple the monthly withdrawal within each calendar year is fixed, but increases by the inflation rate at the start of each year after retirement.
6. Retirement Check: Finally, the calculator compares whether your accumulated Bitcoin stack can sustain the present value of your monthly expenses from retirement age to your life expectancy age. Click here for a detailed example of a year-by-year retirement income breakdown needed assuming retirement at 65 and life expectancy at 85.