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Bitcoin Retirement Calculator

Plan your retirement with Power Law projections

Your Retirement Plan

1870
3080
0%15%
550

Retirement Readiness

How prepared you are even in the worst-case (bear) scenario

100%
Target BTC needed: 0.1222 BTC(for sustainable retirement even in the bear scenario)
Current FIRE Level
Building0.6x
BuildingLean FIREFIREChubby FIREFat FIRE
Total USD Invested$150K
BTC at Retirement0.6681 BTC
Monthly Withdrawal$8.58K

Bear (Support)

Portfolio Value$5.65M
Years of Income
30Sustainable

Base (Fair Value)

Portfolio Value$14.12M
Years of Income
30Sustainable

Bull (Resistance)

Portfolio Value$14.66M
Years of Income
30Sustainable

Portfolio Value Over Time

How This Calculator Works

This calculator simulates two phases: accumulation (buying BTC monthly until retirement) and withdrawal (selling BTC annually to fund living expenses). Three Power Law scenarios show the range of outcomes. The readiness score tells you how close you are to a sustainable retirement.

Accumulation Phase

Monthly contributions buy BTC at the scenario price. Your holdings grow as you consistently invest over time until your retirement age.

Withdrawal Phase

Each year in retirement, you sell BTC to cover your inflation-adjusted living expenses. The portfolio depletes faster in bear scenarios.

Understanding FIRE Levels

FIRE (Financial Independence, Retire Early) levels are based on how many times your annual expenses your portfolio covers. The multiple is calculated using today's Power Law fair value price.

Building< 10xStill accumulating — not yet financially independent
Lean FIRE10–20xCould retire on a lean, minimal budget
FIRE20–25xTraditional 4% rule territory — standard financial independence
Chubby FIRE25–40xComfortable independence with room for extras
Fat FIRE40x+Abundant retirement lifestyle with no budget constraints

This calculator uses the Power Law model for price projections, which is based on historical patterns and is not guaranteed. Actual Bitcoin prices may vary significantly. This is for educational purposes only and should not be considered financial advice.

Buy Bitcoin on Coinbase

Planning for retirement with Bitcoin? Start accumulating on Coinbase.

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Buy Bitcoin on Gemini

Build your Bitcoin retirement fund on Gemini's secure platform.

Buy Bitcoin on Gemini

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