Enter your age, savings, and target retirement age. The calculator shows the trajectory. Play with the inputs. Your own numbers are more convincing than any generic example.
READING TIME: ~6 MIN
Two calculators. The top one projects a traditional monthly-savings-plus-index-fund trajectory, with an optional Bitcoin blend slider. The bottom one projects a pure Bitcoin DCA strategy at a CAGR of your choosing. Both are illustrative math toys, not forecasts. Plug in your real numbers, experiment with the sliders, and compare what a small change today means 40 years out.
See how your savings grow over time. Adjust the inputs and watch the chart update.
Same idea as above, but DCA'ing into Bitcoin instead of an index fund. The numbers can look absurd - that's because Bitcoin's historical CAGR is absurd. Dial in your own assumption below.
SCHD income assumes you convert your BTC stack at retirement into Schwab's Dividend Equity ETF at its ~3.5% dividend yield. Historical Bitcoin CAGR has been over 100% since 2010, but forward returns will almost certainly be lower as the market matures. The "Moderate" 20% default reflects that reality. This is a math toy, not financial advice.
Start with the top calculator. Enter your actual age, your actual monthly savings capacity, and a target retirement age. Leave the return at 10 percent for a nominal long-run S&P estimate; drop it to 7 percent if you want a more conservative real-return assumption.
Then move the Bitcoin allocation slider from 0 to 10 to 20 to watch the final number shift. The bottom calculator is for people running a Bitcoin-heavy strategy; choose a CAGR assumption you actually believe and see the stack size and the SCHD conversion income at retirement.
The real value is running two scenarios: what happens if I save nothing extra, versus what happens if I add $200 a month starting this year. The gap at age 65 is usually larger than people expect. That gap is the motivator.
Both calculators use a constant annual return applied monthly. Actual markets are volatile; the real path looks jagged, not smooth. Over 40 years the geometric mean converges, but any specific decade can dramatically under- or outperform the long-run number.
Neither calculator models taxes, inflation, or sequence-of-returns risk (the risk that a bear market in your first retirement years damages the plan even if the long-run average still works). For those risks, see The 4% Rule, which is the conventional bridge from "what balance do I have" to "how much can I actually spend."
Last updated 2026-04-14. Not financial advice. Do your own research.