Bitcoin Retirement Calculator
How much Bitcoin do you need to retire? Enter your goals and find out in seconds.
Your Bitcoin journey to retirement
The math behind the number
Set your income goal
Choose the annual income you want in retirement and how many years it needs to last.
Pick a BTC price
Estimate what Bitcoin might be worth when you retire. We show bear, base, and bull scenarios.
See your target
We divide your total retirement need by the projected price to find the BTC you need. Then we check if your DCA gets you there.
This is a simplified planning tool, not financial advice. It assumes you sell BTC at a fixed future price to fund retirement. Real outcomes depend on market timing, taxes, inflation, and spending patterns. Use it as a directional guide, not a guarantee.
Because Bitcoin's price determines how much purchasing power each satoshi has at retirement. At $250K per BTC you need 10x more Bitcoin than at $2.5M. That's why we show multiple scenarios — nobody knows where the price will be in 20 years.
The accumulation projection uses today's BTC price to estimate how much your monthly investment buys. In reality, as price rises your monthly buy gets fewer sats. This means the projection is optimistic — but starting early still matters enormously due to compounding scarcity.
Bitcoin can be a powerful component of a retirement strategy, but diversification matters. This tool helps you understand the BTC portion of your plan. Consider it alongside traditional savings, investments, and professional financial advice.