Portfolio · Financial Tools
Models two distinct funding requirements: the bridge period (retirement to 59½, funded entirely from BTC) and the post-supplement period (59½+, net of retirement accounts). Power Law calibrated to today's BTC price. All math runs in the browser.
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Model Parameters
BTC Retirement Gap Analysis
BTC needed by age vs holdings + DCA accumulation
Retiring before 59½ creates a gap: 401k and IRA funds are inaccessible without penalty. Your BTC portfolio must fund 100% of spending alone during this period.
The model solves for the exact starting balance needed using a year-by-year simulation: withdraw inflation-adjusted spending, then apply BTC growth to the remainder. The bridge BTC requirement falls as you age toward 59½.
Balance(t+1) = (Balance(t) − Spend(t)) × (1 + rBTC)
Rather than assuming a fixed growth rate, the BTC Power Law (Santostasi) models price as a function of time since genesis — with growth naturally decelerating as Bitcoin matures.
Price(t) = Scale × (years since 2009)5.8
The scale constant is calibrated to your entered current price, so the model anchors to reality today and projects forward deterministically.