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Bitcoin Retirement Calculator

Project your stack and DCA to retirement under conservative, base and bull scenarios — and see the required BTC, not just a big number.

On track: your plan covers retirement.

At 20% CAGR you'd retire at 60 with $11,477,256 ($4,728,478 in today's dollars) vs. a required $3,640,894. Surplus: $7,836,362.

BTC needed at retirement
0.238989 BTC
you'd hold 0.753369 BTC
Implied BTC price then
$15,234,574
20% for 30 yrs
Money lasts until
60+ yrs
withdrawing spend, growth = CAGR ÷ 2
$939,904,326$494,686,487$49,468,649age 30age 60
8% CAGR20% CAGR40% CAGR
Every assumption in this model
  • Holdings compound monthly at your chosen CAGR; DCA contributions are added at each month's end and stop at retirement.
  • BTC price today: $64,179.00 (cached 2026-07-11).
  • Required nest egg = annual spend inflated to retirement year ÷ withdrawal rate.
  • After retirement, the model conservatively grows the balance at half your CAGR while withdrawals rise with inflation.
  • Taxes, fees and sequence-of-returns risk are not modeled.

Data as of Jul 11, 2026

Estimates only — not financial advice.

How this is calculated

Accumulation: your current BTC (valued at the live price) compounds monthly at the chosen CAGR while monthly DCA contributions are added along the way — value × (1+r)​ + contribution each month until retirement age.

The target: required nest egg = annual spend, inflated to your retirement year, divided by the withdrawal rate (spend ÷ 4% = 25× spend by default). The verdict compares projection vs. target; "BTC needed" divides the target by the implied BTC price at retirement.

Decumulation: to estimate how long the money lasts, the model deliberately halves your CAGR after retirement — assuming your growth-asset returns won't repeat forever is what keeps this an estimate rather than a sales pitch. All assumptions are listed under the chart, and the formulas live on the methodology page.

Frequently asked questions

How much Bitcoin do I need to retire?
Divide your desired annual spending (inflated to your retirement year) by your withdrawal rate to get the required nest egg, then divide by a projected BTC price. The calculator does all three steps and shows the BTC figure directly — the honest caveat is that everything hinges on the CAGR you assume.
Is the 4% rule appropriate for Bitcoin?
The 4% rule was derived from diversified stock/bond portfolios, not a single volatile asset. Sequence risk is far higher with BTC — a deep drawdown early in retirement can be fatal to the plan. Many planners model 2–3% withdrawal rates for concentrated crypto positions; the field is editable for exactly that reason.
What is a realistic Bitcoin CAGR?
Nobody knows — that's why the tool ships three scenarios instead of one prediction. Bitcoin's historical CAGR falls as the asset matures; conservative planners use single digits, and the 'Bull 40%' preset mainly shows how sensitive outcomes are to optimistic inputs.
Are retirement withdrawals from crypto taxed?
Selling BTC to fund living costs is a disposal — typically a capital gains event, unless the assets sit in a tax-advantaged wrapper. Model the hit with the crypto tax calculator or read about crypto in a 401(k).

Related calculators

Crypto 401(k) CalculatorBlend BTC into a retirement planDCA CalculatorBacktest the accumulation sideCompound Interest CalculatorSimpler growth projections

Disclaimer: This tool provides educational estimates only — it is not financial, investment, or tax advice. Crypto assets are volatile; past performance does not guarantee future results. See our methodology and full disclaimer.