Orange Abacus

Bitcoin Retirement Calculator

About you

30 years of stacking, then 25 years of retirement.

Your bitcoin

Worth $77,129 at today's price.

Leave at 0 if you're done buying and only holding.

What retirement costs

In today's money. At 3% inflation that's $145,636 a year by the time you retire.

Expected Bitcoin growth

The assumption that moves the answer most

Starts at 20% and eases toward 6% over 25 years, on the view that an early-adoption growth rate can't hold for decades.

Bitcoin's actual growth rate:
Advanced assumptions

Your cost basis. Sets how much of a sale is taxable gain.

Applies only to the sell-everything path, once the stack is cash.

Show money in

Your stack at age 65

$1.3M

1.509 BTC $3.3M in the dollars of that year

Sell only what you need

Funded to 90

$199k

left at 90 · 0.10847 BTC still held

Keep the stack. Sell each year's spending and let the rest keep compounding.

Sell everything at retirement

Runs out at 86

$0

left at 90 · held as cash

Cash out the whole stack on day one, pay the tax, then live off the proceeds.

Portfolio value in today's dollars

Bitcoin price when you retire
$2,167,698
Bitcoin you'd buy between now and then
0.50903 BTC for $180,000
Most you could spend a year and still make it to 90
$64,647 in today's money
Bitcoin you'd need today to fund this plan
0.89106 BTC
Reality check — Bitcoin's market cap at that price
$19T in today's money, 63% the world's gold
Year-by-year breakdown
Year Age BTC price BTC held Spending Sell as needed Sold everything

Live BTC price from CoinGecko; historical growth rates computed from CryptoCompare daily closes. Supply at retirement follows Bitcoin's own issuance schedule, and the market-cap reference values come from the same dataset as the Bitcoin market cap calculator.

Every figure is a projection built on assumptions you choose, not a forecast. It excludes fees, state and local taxes, and account-type rules, and it is not financial, tax or retirement advice.

Portfolio value in today's dollars

Retires at 65 $0$375k$750k$1.1M$1.5M Age 35Age 63Age 90 Sell what you need Sell everything at retirement
Every calculator here runs on formulas verified against primary sources and is reviewed before it ships.
Learn about our methodology →
Fabio Arcieri Built and reviewed by
Fabio Arcieri

Last reviewed: September 2026