Can You Retire on Bitcoin?

Plug in your stack, your stacking rhythm, and what you think BTC will do. We'll tell you when you can clock out — and how long the stack lasts.

About you

Current age Retirement age 55 BTC held today Monthly stacking ($)

Assumptions

BTC price growth · per year +20%

Inflation · per year +3%

Safe withdrawal rate 4.0%

Monthly income needed in retirement · today's $ Borrow rate (if using loan strategy) 5.0%

Stack at retirement

— ₿

$— USD

Annual need at retirement

$—

inflation-adjusted

Sell strategy runway

— yrs

ends at age —

Borrow strategy runway

— yrs

until LTV hits 50%

Verdict

—

Stack growth until retirement

BTC holdings (orange) and USD value (blue) by age, assuming your CAGR and monthly stacking.

Retirement runway: sell vs borrow

Sell strategy: you sell BTC each year to cover spending (inflation-adjusted). Borrow strategy: you borrow against BTC at the rate above. Danger zone when loan-to-value reaches 50%.