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 (ISA in the UK, TFSA/RRSP in Canada, Super in Australia, etc.).
Sensitivity across BTC scenarios
| BEAR (10%) | BASE (20%) | BULL (30%) |
|---|
Key insight: even in the bear case (10% yearly Bitcoin growth), a small slice of Bitcoin beats a no-Bitcoin portfolio over 20-plus years. A higher-return asset, growing tax-free in a Roth, snowballs.
What this tool assumes
- Contributions grow annually at the return rate entered.
- Bitcoin scenarios are a hypothetical CAGR band, not a forecast.
- Inflation is not explicitly modeled; use real (inflation-adjusted) 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.