Retire on ₿itcoin

The amount of Bitcoin needed for retirement depends on your current age, desired retirement age, and annual income needs. This calculator uses conservative Bitcoin price projections to estimate requirements. For example, a 35-year-old planning to retire at 60 with $100k annual income might need around 2.5-4 Bitcoin based on Smitty's methodology.

This calculator is based on Smitty's Bitcoin retirement methodology, which uses 5th percentile power regression for conservative Bitcoin price estimates and applies a 7% annual inflation adjustment. This approach provides conservative projections to help ensure your Bitcoin holdings maintain purchasing power throughout retirement.

Conservative projections help ensure you have sufficient Bitcoin even if price growth is lower than historical trends. Using 5th percentile regression means we're planning for scenarios where Bitcoin performs in the bottom 5% of historical patterns, providing a safety margin for retirement planning.

It's recommended to review your Bitcoin retirement plan annually or when major life changes occur (income changes, family size, retirement goals). Bitcoin's volatility means regular reassessment helps ensure you stay on track with your retirement goals.

This calculator is for educational purposes only and should not replace professional financial advice. While based on sound methodology, you should consult with a qualified financial advisor before making significant investment decisions or retirement planning choices.

The calculator uses conservative projections specifically to account for lower-than-expected performance. However, all investments carry risk. Consider diversifying your retirement portfolio and having contingency plans. Bitcoin should be part of a broader financial strategy.