Retirement · Calculator

Bitcoin retirement
planner.

Project your retirement portfolio across bear, base, and bull Bitcoin scenarios. Compare a traditional-only portfolio against one with a Bitcoin allocation.

The question it answersHow does adding bitcoin to my retirement account change my outcome?

Rules: United States. Prices: uses the latest daily Bitcoin close in the site’s own data file, not a live quote; no price service is contacted. Privacy: runs in your browser. What you enter stays on your device.

Looking for something close? Retirement On Track Check: a quick yes, almost or no from age, savings, contributions and target income. Retirement Success Rate: how a spending plan would have fared through every historical market sequence since 1928.

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 share of a portfolio you can withdraw in the first year of retirement, then raise with inflation each year, without running out of money over a set horizon in historical tests. William Bengen's 1994 study of a 50/50 US stock and bond portfolio found 4% lasted at least 30 years and 3-3.5% lasted 50 years or more. 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-adjustedAdjusted for rising prices. Some amounts move with inflation, like IRS tax brackets, TIPS principal, or I-bond rates. Others are restated in today's dollars so different years can be compared: by the BLS consumer price index, $30,000 in 1985 bought about what $93,000 buys in 2026.) return if you want today's dollars.

Projection, not a promise. The result follows the assumptions you enter. Real results will differ, sometimes by a lot.

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. The assumptions and default values behind the result are listed under “What this tool assumes” on this page. Verify the methodology or inspect the source code in your browser's dev tools.

Where to go from here

Read next

Retire on Bitcoin

The math across three BTC price scenarios, the two retirement models, why state matters for the exit, and the stepped-up basis play for heirs.

Explore further
  • Bitcoin Withdrawal StrategyThe 4% rule was built for stocks and bonds. Bitcoin has different volatility, different tax treatment, and different risk in early drawdown years.
  • Retirement CalculatorInteractive FIRE calculator plus a Bitcoin retirement calculator.
  • FIRE Calculator (with Bitcoin)Estimates a financial-independence portfolio target across Lean, Standard, and Fat FIRE withdrawal rates, with an optional Bitcoin allocation.
  • Retirement On Track CheckGives a quick yes, almost, or no verdict on retirement readiness using age, savings, contributions, and target income.

Calculators are educational estimates, not financial advice. Disclosures · How pages are reviewed