Your plan
Calculating…
Bitcoin over your lifetime
Stacking Spending in retirement
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Enter what you hold, what you stack each year and what you need to live on. We find the earliest age your Bitcoin can pay for the rest of your life.
Your plan
Stacking Spending in retirement
Starting from what you hold, we add the Bitcoin your yearly budget buys at each future price.
The BTC price compounds at your growth rate, and your living costs rise with inflation.
We test every age and pick the first one where withdrawals last until your life expectancy, with a safety buffer.
It projects how much Bitcoin you will hold each year from your current holdings and annual purchases, grows the BTC price at your chosen rate, and finds the earliest age at which your portfolio can pay your inflation-adjusted income until your life expectancy.
Conservative uses your growth and inflation inputs as entered. Optimized assumes 20% higher price growth and 20% lower inflation, so it shows a more aggressive scenario.
They are scenarios, not forecasts. Bitcoin is volatile and real returns will differ from any constant growth rate, so use the results as a guide and review your plan regularly.
The price is fetched live from CoinGecko, with Coinbase and Binance as fallbacks, and refreshes every five minutes. You can also type your own price.
Bitcoin has shown strong long-term growth but is highly volatile. Most planners recommend holding it as one part of a diversified retirement portfolio.
Bitcoin can anchor a retirement plan, but keep traditional investments and an emergency fund in cash.
Try lower growth rates. A plan that still works at 10% a year is far sturdier than one that needs 40%.
Short-term drawdowns are normal. Consistent buying over many years matters more than timing.