Bitcoin Retirement Calculator

Retirement Date:

Current Age:

Annual Living Cost (2025 USD):

Annual Inflation Rate (%):

Expected Lifespan (years): How long do you expect to live? The calculator will determine how many years of retirement to plan for based on this age.

Current BTC Holdings: How much Bitcoin do you already own? This will calculate how much more you need to reach your retirement goal.

💰 Dollar Cost Averaging (DCA)

Enter your planned DCA strategy (leave at 0 if not using DCA)

DCA Amount per Purchase ($):

DCA Frequency:

DCA Start Date:

DCA Stop Date:

💸 DCA Accumulation Over Time

What this shows: Your Bitcoin accumulation if you follow your DCA plan. Watch how your BTC holdings (orange line) grow while your investment (blue line) increases steadily.

How to use: Hover over any point to see exact amounts at that date. Adjust your DCA inputs above to see different scenarios.

🎯 Interactive Scenario Explorer: Paths to Your Goal

What this shows: How different monthly DCA amounts help you reach your retirement goal. The horizontal line shows your target. Lines above it reach your goal.

How to use: Hover to see exact monthly amounts and BTC accumulated. Try the scenario table below for specific recommendations.

📊 Scenario Comparison: Your Options

What this shows: Specific monthly DCA strategies to reach your goal, from conservative (higher monthly) to aggressive (lower monthly, longer duration).

How to use: Pick a strategy that fits your budget. "Sweet spot" recommendations balance affordability and time horizon.

📊 Advanced Charts: Price Projections & Retirement Simulation

📈 Bitcoin Price Projections (Power Law)

What this shows: Expected Bitcoin price from now through your retirement. Three lines show different scenarios: Trend (most likely), Floor (conservative/bear market), Ceiling (optimistic/bull market).

How to use: This helps you understand price assumptions in the calculator. The trend line is what we use for BTC needed calculations.

💰 Bitcoin Balance during Retirement

What this shows: Your BTC holdings year-by-year during retirement as you withdraw for living expenses. Three scenarios show if Bitcoin grows faster (optimistic), slower (conservative), or as expected (trend).

How to use: Check if your balance stays positive throughout retirement. If any line hits zero, you'll need more BTC at retirement start.

💵 Annual Living Expenses in Retirement

What this shows: Your living costs each year during retirement, growing with inflation. This is what you'll need to withdraw annually.

How to use: See how inflation impacts your needs over time. Higher inflation rates create steeper curves.

📊 Yearly Data Table

What this shows: Complete year-by-year breakdown of prices, balances, and withdrawals for all three scenarios.

How to use: Download as CSV for detailed analysis in Excel. Shows exact numbers behind the charts above.

Show/Hide Detailed Year-by-Year Breakdown

Year	Age	BTC Price (Trend)	BTC Balance (Trend)	BTC Balance (Cons.)	BTC Balance (Opt.)	BTC Withdrawn (Trend)	BTC Withdrawn (Cons.)	BTC Withdrawn (Opt.)	Nominal Expenses