Retirement
calculator.

Retirement Calculator

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 ETFExchange-Traded Fund (ETF)A basket of investments (stocks, bonds, or Bitcoin) that trades on a stock exchange like a single share. 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.

How to use it

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 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.

What the calculator assumes

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, inflationinflationA general increase in prices over time, meaning each dollar buys less than it did before.Full definition, or sequence-of-returns risk (the risk that a bear marketBear marketA long slide in prices, usually defined as a drop of 20% or more from a recent high in a broad market index such as the S&P 500. Bitcoin's four completed cycle bear markets bottomed 77% to 93% below their peaks, and so far it has gone on to new highs after each one. 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."