Bitcoin Retirement Calculator
See whether your bitcoin funds the retirement income you want, and how long it lasts once you start spending it.
Set these to match your situation, then press Calculate.
Your situation
That's $250 a month. Contributions stop at 60, when you retire.
Bitcoin's performance
How that rate behaves over time
Starts at 20% a year, slows to 8% by 2046 — a haircut, not a forecast.
Advanced assumptions
Sensible defaults are already set. Change these only if you want to.
Anything outside bitcoin — pension, 401k, stocks, cash. It's added to your plan and grows at the traditional-portfolio rate below.
A year. Grows your other savings above — the non-bitcoin part of your plan.
A year. Used to restate every figure in today's money, and to raise your retirement spending as prices rise.
How long your money has to last. The projection ends here.
Your result will appear here.
- Whether your plan funds the income you want
- A year-by-year chart to age 95, including the years you're spending it
Short — runs out at age 65
Portfolio at retirement
$402K
of the $1.4M you'll need
Bitcoin you'd hold
0.4770 ₿
Portfolio at end of life
$0
depleted before age 95
Monthly retirement income
$6,667
the income you asked for
Your money lasts until
Age 65
you planned to age 95
All figures are in today's money, so they mean what they'd mean now. In future dollars the same plan reads $841K — the same buying power, just a bigger number.
Assumptions
- Bitcoin growth: at 20% a year fading to 8%.
- A projection based on the growth rate you chose, not a forecast.
Starting bitcoin price from CoinGecko, with the last bundled daily close as fallback. Every other figure is computed forward from the assumptions you set.
Learn about our methodology →
Methodology
We verify every formula against primary sources, run it on live data, and document each model's assumptions and limits.
Learn about our methodology →
Built and reviewed by Fabio Arcieri
Fabio Arcieri
Founder, Orange Abacus
Bitcoin researcher with a background in economics and a decade in digital marketing. He builds and reviews every calculator on this site against primary sources.
Read full profile →Last reviewed: September 2026
How this projection works
The calculator runs your plan month by month, from your age today through the age you tell it to plan to. Until you retire, your yearly contribution buys bitcoin month by month at the projected price, and your other savings grow at the traditional rate. From your retirement age onward, it withdraws the income you asked for and keeps growing whatever is left.
Every figure on the page is inflation-adjusted to today’s dollars. The growth rate you pick is a nominal rate — the number you would say out loud — and inflation is removed once, when the result is displayed.
What the numbers assume
- The nest egg you need is the amount your own assumptions require: the smallest portfolio, in your plan’s actual bitcoin-to-savings mix, that funds your stated income all the way to your plan-to age without running out.
- Withdrawals come out of bitcoin and other savings in proportion to what each is worth at the time.
- Fees, trading costs, and taxes of every kind are excluded.
- Nothing here is a forecast. A growth rate held for decades is an assumption you control, not a property of bitcoin.