Bitcoin Retirement Calculator
Our calculator allows you to model different scenarios and helps you understand how bitcoin could enhance your retirement portfolio.
Plan smart, retire comfortably
- Project your retirement income using the 4% withdrawal rule
- Test different scenarios with current holdings and future purchases
Why bitcoin for retirement?
- Benefit from bitcoin's growing institutional adoption
- Fixed 21M supply = no debasement
Ready to buy bitcoin?
Bitcoin Well Infinite
How the calculator works
This tool uses the classic "4% rule" as a baseline withdrawal rate. The projection runs from your chosen retirement age all the way to age 90.
Input parameters
Results
Current projections fall short. Increase holdings, lower income goal, or delay retirement to reach security.
Accumulation Phase
Retirement Phase
Inflation Impact
Important disclaimer
This calculator is for educational and informational purposes only. It does not constitute financial advice and should not be relied upon as such. Bitcoin prices are highly volatile and past performance does not guarantee future results. The site does not guarantee any specific outcome or profit. Always consult with qualified financial professionals before making investment decisions.
The looming retirement crisis
Unfortunately, most Americans are unprepared for retirement. With inflation eroding purchasing power, the old playbook doesn’t appear to be working anymore.
- 41% of Americans have no retirement savings plan
- Median retirement savings of $87,000 won't last 20+ years
- Real inflation is outpacing many traditional investment returns
- Social Security provides minimal lifestyle support
Traditional retirement planning limitations
Conventional wisdom tells you to put money in 401(k)s, buy index funds, and hope for 6-10% annual returns. But this approach has serious flaws in today's economic environment.
- Currency debasement: Central banks print money, eroding your savings
- Low real returns: After inflation, traditional investments barely keep pace
A bitcoin funded retirement
Bitcoin represents a paradigm shift in how we think about long-term wealth preservation. As the world's first truly scarce digital asset, buying bitcoin offers unique advantages for retirement planning.
- Fixed supply: Only 21 million bitcoin will ever exist
- Inflation hedge: Historically outpaced currency debasement
Bitcoin vs Traditional assets
| 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.
Frequently asked questions
This calculator is for educational purposes only. Past performance does not guarantee future results. Consult with qualified financial professionals before making investment decisions.
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.