Bitcoin Retirement Calculator

Calculate how much Bitcoin you need to retire based on your expenses, inflation, and Bitcoin appreciation assumptions, and how much Bitcoin you want to pass on to your heirs.

Input Parameters

Number of Years (default: 25) How long you expect your retirement withdrawals to last

Annual Spend ($) Total dollars you plan to spend each year in retirement

Inflation Rate (%) Yearly cost-of-living increase caused by fiat debasement

Bitcoin Appreciation Rate (%) Expected annual percentage gain in Bitcoin’s USD price

Bitcoin Price at retirement ($) Spot price of Bitcoin when you begin retirement withdrawals

Starting Year Calendar year when this retirement plan starts

BTC to Pass on Bitcoin you want to still hold at the end of the plan

Results

Financial Progression Chart

Each year begins by increasing the Bitcoin price by the appreciation rate and raising your planned dollar expenses by the inflation rate. Immediately afterward, the required cash for the year is raised by selling Bitcoin at that year’s adjusted price, which reduces the Bitcoin stack shown in orange. The remaining BTC then compounds for the following year.

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YouTube

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Open Source

This Bitcoin retirement calculator is free and open source and can be replicated for anyone to plan their Bitcoin-based retirement.

Open source contributors: TotesNpro and ForrestHODL

View on GitHub