Free calculator
Bitcoin-Powered Retirement Planner
Map your path to financial freedom by projecting how a growing BTC stack could cover your retirement spending.
A retirement calculator that factors in Bitcoin growth, inflation, and spending goals.
Traditional retirement calculators ignore Bitcoin’s asymmetric upside. Ours factors in BTC price appreciation, fiat spending goals, and steady contributions—so you can see if your plan keeps pace with inflation and lifestyle targets.
How it works.
Enter your current age, age of retirement, and expected age of death.
Enter your current BTC holdings (in USD) and how much Bitcoin you plan to purchase each year (in USD).
Set expected annual BTC growth rate.
Set expected annual expenses after retirement, capital gains tax rate on each BTC sale, and inflation rate.
Estimate how your current Bitcoin holdings and regular contributions could grow over time to fund your retirement. Change the settings below to reflect your situation or check favorable scenarios.
Retirement Basics
Bitcoin Held
Bitcoin Growth
Expenses
Can I retire?
No
Bitcoins at retirement
0.000 BTC
BTC price at retirement
$0
Budget at retirement
Monthly
$0
Yearly
$0
Balance at retirement
$0
Balance at death
$0
Frequent questions.
This calculator simulates your financial journey in two main phases to determine if you can retire on your Bitcoin investments.
The calculation starts with your current Bitcoin value and projects it forward year-by-year until you reach your planned retirement age. Each year, it does two things:
- Grows Your Holdings: It increases the value of your portfolio based on the "Expected Bitcoin Growth" rate you provide.
- Adds New Investments: It adds the amount of your "Annual Bitcoin Purchases" to the total.
This gives you a final "nest egg" value at the start of your retirement.
Next, it simulates your retirement years. For each year from your retirement age until your life expectancy:
- Adjusts for Inflation: It calculates your annual living expenses for that specific year, increasing them based on the "Inflation Rate" to reflect the rising cost of living.
- Calculates Smart Withdrawals: It determines how much Bitcoin to sell to cover those expenses. Crucially, it also accounts for capital gains tax, selling just enough to cover both your living costs and the tax bill on your investment profits.
- Grows Remaining Funds: Any money left in your portfolio continues to grow at your expected rate.
Finally, the calculator determines if your nest egg successfully lasts through your entire retirement. If the money runs out before you reach your life expectancy, the simulation shows that you cannot yet retire under the given plan.