Tools · Retirement Planner
Bitcoin retirement
planner.
Project your retirement stack across bear, base, and bull Bitcoin scenarios. Compare a traditional-only portfolio against one with a Bitcoin allocation.
This page covers US-specific accounts and tax law. Outside the US? The priority order is the same, the account names differ (ISAIndividual Savings Account (ISA)A UK tax-advantaged account where contributions are post-tax but all growth and withdrawals are tax-free.Full definition in the UK, TFSATax-Free Savings Account (TFSA)A Canadian tax-advantaged account where contributions are post-tax but all growth and withdrawals are tax-free.Full definition/RRSPRegistered Retirement Savings Plan (RRSP)A Canadian tax-deferred retirement account; contributions reduce taxable income and growth is tax-deferred until withdrawal.Full definition in Canada, Super in Australia, etc.).
Sensitivity across BTC scenarios
| BEAR (-5%) | BASE (10%) | BULL (25%) |
|---|
What this tool assumes
- Contributions grow annually at the return rate entered.
- Bitcoin scenario CAGRs are editable assumptions, not forecasts. Defaults: bear -5%/yr, base 10%/yr, bull 25%/yr.
- The “Monthly @ 3.5%” row applies a 3.5% annual safe withdrawal ratesafe withdrawal rateThe percentage of an initial portfolio value that can be spent in year 1 of retirement and adjusted for inflation thereafter without running out of money. The 4% rule is the original. to the ending balance, divided by 12. See the 4% rule.
- InflationinflationA general increase in prices over time, meaning each dollar buys less than it did before.Full definition is not explicitly modeled; use real (inflation-adjustedinflation-adjustedA dollar number redrawn after stripping out the effect of rising prices, so you can compare what the money actually bought across years. A $30,000 salary in 1985 was worth more in real life than a $50,000 salary today.) return if you want today's dollars.
Projections are hypothetical. Past returns do not guarantee future results. Not financial advice.
HOW THIS IS CALCULATED
This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.