Bitcoin retirement calculator
CryptoKeyhole’s bitcoin retirement calculator adds up what you hold and what you buy each month until you retire, at a growth rate you choose, then shows the monthly income that pot could pay for the years you need, with bitcoin’s own past growth beside your assumption.
- Bitcoin at retirement
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- Pot at retirement
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- Money put in
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- Price assumed then
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How it works
Each month until retirement, the price grows by the monthly equivalent of your yearly rate and your purchase is added at that month’s price, so the bitcoin you hold and its value grow together.
At retirement, the pot is drawn down by a level monthly income that runs out at the end of the years you choose, while the rest keeps growing at your rate after retiring. The chart shows the pot year by year through both stages.
Questions
Is the growth rate a forecast?
No. It is your assumption, and the answer changes enormously with it. The page shows bitcoin’s own compound growth over the last four and eight years from our daily closes for context; past growth has slowed cycle by cycle and says nothing certain about the future.
How is the monthly income worked out?
From the pot at retirement, the growth you assume after retiring and the years it must last: the level monthly withdrawal that empties it exactly at the end, like an annuity. Taxes and fees are left out.
Why is it in today’s dollars or not?
The figures are in future dollars. Take inflation off the growth rates you enter to read them in today’s money: 20% growth with 3% inflation is about 16.5% in today’s terms.
What about selling some along the way?
The calculator assumes you only buy until retirement. Use it twice, before and after a planned sale, to see the difference.
Bitcoin’s past growth from CryptoKeyhole’s daily closing prices; everything else is your assumption, worked out in your browser. Not advice.