Bitcoin Retirement Calculator
Enter your target retirement income, timeline, and monthly DCA. You'll get a BTC target across three price scenarios.
Your Bitcoin journey to retirement
The math behind the number
Set your income goal
Pick the annual income you want in retirement and how many years you need it to last.
Pick a BTC price
Estimate where Bitcoin's price lands when you retire. You'll see bear, base, and bull scenarios side by side.
See your target
The calculator divides your total retirement need by each projected price to get a BTC target, then checks whether your monthly DCA reaches it in time.
It gives you a rough target, not a prediction. The math assumes you sell BTC at a single future price to fund retirement. In practice, taxes, inflation, market timing, and spending shifts all change the outcome. Treat the numbers as a planning benchmark.
Bitcoin's price at retirement determines how far each sat stretches. At $250K per BTC you need 10x more than at $2.5M. The three scenarios exist because nobody can pin down a price 20 years from now.
The accumulation chart uses today's BTC price to estimate how many sats your monthly buy gets. As the price rises, each buy gets fewer sats, so the projection is somewhat optimistic. Starting early still has a large effect because the cheapest sats are the ones you buy first.
Bitcoin can play a real role in a retirement plan, but most people hold other assets too. Use this tool to size the BTC portion, then weigh it alongside your other savings and professional financial advice.