Retirement
calculator.
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.
This page covers personal finance fundamentals that apply regardless of your view on Bitcoin or fiat currencyfiat currencyMoney declared legal tender by a government, not backed by a physical commodity. Its value rests on trust in the issuing government.Full definition.
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 DCADollar-Cost Averaging (DCA)Investing a fixed amount on a regular schedule regardless of price, to reduce timing risk.Full definition strategy at a CAGRCompound Annual Growth Rate (CAGR)The average yearly growth rate of an investment, assuming profits are reinvested each year. 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.
Retirement Calculator
See how your savings grow over time. Adjust the inputs and watch the chart update.
The Bitcoin version
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 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.
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 period when investment prices are falling, typically defined as a 20% or greater drop from recent highs. 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."
Related pages
- Investor.gov compound interestcompound interestEarning interest on your interest. Your returns reinvested to earn even more returns over time.Full definition calculator (reference methodology) - investor.gov
- Bitcoin historical price data - blockchain.com
- SCHD dividend yield reference (Schwab) - schwabassetmanagement.com
- Bengen "4% Rule" original paper (1994) - referenced in The 4% Rule
Last updated 2026-04-14. Not financial advice. Do your own research.