Your Inputs
How old are you now?
When do you plan to retire?
Current value of your Bitcoin holdings
Stocks, bonds, etc.
How much will you add to Bitcoin each month?
Conservative: 5-10%, Moderate: 10-15%, Aggressive: 15%+
Typical stock/bond portfolios: 5-8%
Traditional rule: 4%, Conservative: 3-3.5%
Your Results
In 35 years when you turn 65
93.0% of your total retirement portfolio
7.0% of your total retirement portfolio
Based on 4% withdrawal rate (before taxes)
Summary: If you keep investing $500 per month until age 65, and if Bitcoin returns 15% per year while your traditional portfolio returns 7% per year, your total retirement balance could reach approximately $15,156,757. At a withdrawal rate of 4%, this gives roughly $606,270 per year before taxes.
Disclaimer: This calculator is for educational purposes only and does not constitute financial advice. Bitcoin is highly volatile and past performance does not predict future results. Actual returns may be significantly different. Tax implications are not included in these calculations. Consult with a qualified financial advisor before making retirement planning decisions.
Understand the tax side of your Bitcoin decisions
Tax treatment can affect how much of your projected Bitcoin gains you keep. For a high level overview of how Bitcoin is taxed in 2025, read our Bitcoin tax basics guide. For personalized advice, always work with qualified tax and financial professionals.
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