Bitcoin retirement calculator
Enter the bitcoin you hold, what you can buy each month and what you will spend each year once you stop working, then choose the growth rates. The calculator shows what the bitcoin could be worth when you retire and how many years of spending it covers. It starts from today's price, 74,861 USD on November 8, 2026, and does arithmetic on your rates; it does not predict them.
- Worth at retirement
- 248,632 USD
- Bitcoin at retirement
- 0.30653787 BTC
- Assumed price of 1 BTC then
- 811,097 USD
- Paid in
- 60,000 USD
- Years of spending covered
- 7 years
Arithmetic on the rate you chose, not a forecast.
Rate as of November 8, 2026. Fetching the live rate.
Worked example
Buy 200 USD of bitcoin every month for 25 years and assume the price grows 10% a year: you end with 0.3065 BTC, worth 248,632 USD. Then sell 40,000 USD a year, with the price growing 5% a year. It covers 7 years of spending.
The same plan at other growth rates
The worked example again with only the growth rate before retirement changed. The rate after retirement stays at 5% a year.
| Growth a year | Bitcoin at retirement | Worth then | Years of spending covered |
|---|---|---|---|
| 0% | 0.8015 | 60,000 USD | 1 |
| 5% | 0.464 | 117,624 USD | 3 |
| 10% | 0.3065 | 248,632 USD | 7 |
| 20% | 0.1753 | 1,252,053 USD | more than 50 |
| 30% | 0.1234 | 6,516,486 USD | more than 50 |
How it works
Until retirement the price moves by the same factor every month, chosen so that twelve months multiply it by 1 plus your growth rate, and each month's purchase buys that month's amount divided by that month's price. From the day you retire, the calculator sells a year's spending at the start of each year and then moves the price by your second rate. The count stops when the bitcoin left cannot cover a full year, or after 50 years. Fees, taxes and inflation are left out, so read every figure in the money of the day it is spent.
Frequently asked questions
How much bitcoin do I need to retire?
It depends on what you will spend each year, how long you need it to last and what the price does, and only the first two are yours to know. Put your spending in the calculator and try several growth rates to see how the answer moves.
What growth rate should I use?
No one knows the right one. Bitcoin's yearly returns have swung from large losses to gains of several hundred percent, and its past says little about the next thirty years. Try a range, including zero, and plan around a result you could live with if the low one comes true.
Does the calculator account for inflation or tax?
No. Every figure is in the money of its own day, with no fees and no tax. If you expect prices in general to rise, raise the spending figure to match.
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- Bitcoin supplyCoins issued so far, coins left to mine, daily issuance and the supply on a date you choose.
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- Bitcoin in every currencyA page for each currency, with a conversion table and where to buy.
These tools are for information, not financial advice. An exchange quotes its own price, which includes its spread and fees.
Sources
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