Bitcoin Retirement Calculator
- Project retirement income using the 4% withdrawal rule
- Test different scenarios with current holdings and future purchases
- Account for inflation and bitcoin's growth patterns
- See how much you need to retire comfortably
- Benefit from bitcoin's growing institutional adoption
- Diversify beyond traditional stocks and bonds
- Fixed 21M supply = no debasement
- Own a truly global, digital store of value
How our bitcoin retirement calculator works
Our calculator uses proven financial principles adapted for bitcoin's unique characteristics. It's designed to help you model incorporating bitcoin into your retirement strategy.
Key features
- 4% withdrawal rule: Based on the Trinity Study's safe withdrawal research
- Flexible modeling: Test different purchase amounts and timelines
- Inflation adjustment: See real purchasing power over time
- Growth scenarios: Model various Bitcoin appreciation rates
Simple three-step process
- Input your current situation — age, existing Bitcoin holdings, planned contributions
- Set your retirement goals — target age, desired income, expected growth
- Review your projection — see if you're on track and adjust as needed
Privacy Note: This calculator runs entirely in your browser. No personal data is collected, stored, or sent to any server. All calculations happen locally on your device.
Current projections fall short. Increase holdings, lower income goal, or delay retirement.
Accumulation Phase
Retirement Phase
Inflation impact
This calculator is for educational and informational purposes only. Past performance does not guarantee future results. Always consult with qualified financial professionals before making investment decisions.
Bitcoin vs traditional assets
When planning for retirement, asset selection makes all the difference. Here's how bitcoin compares to traditional retirement investments over the last 10 years (July 2015 - July 2025).
| Metric | Bitcoin (10-year) | S&P 500 (10-year) | Gold (10-year) |
|---|---|---|---|
| Avg Annual Return | ~82%* | ~10% | ~8% |
| Inflation Hedge | Strong | Moderate | Moderate |
| Volatility | High | Moderate | Low |
| Accessibility | 24/7 Global | Business Hours | Physical/ETF |
*Past performance doesn't guarantee future results.
The power of asymmetric returns: Even a small bitcoin allocation can significantly impact your retirement outcome due to its growth potential.
Begin bitcoin retirement planning
Start with our calculator to model different scenarios, consider speaking with a financial advisor, then take action based on your risk tolerance and timeline.
- Use our calculator to model your bitcoin retirement strategy
- Get off zero — even 5–10% allocation can make a difference
- Dollar-cost average — reduce timing risk with regular purchases
- Secure storage — learn about self-custody or trusted custodians
- Stay informed — understand bitcoin's technology and adoption trends
Frequently asked questions
This calculator and accompanying content are provided for educational and informational purposes only. This tool makes assumptions about future performance that may not materialize. They do not constitute financial advice and should not be relied upon as such. The projections and calculations provided by this tool are estimates based on user inputs and assumptions. Actual results may vary significantly. We make no warranties about the accuracy, completeness, or reliability of the information provided.