Portfolio · Financial Tools
You've been stacking. But, how much is truly enough? Traditional calculators don't speak Bitcoin — they ignore your DCA, traditional retirement savings, and early retirement entirely. This one does. Enter your numbers below and find out how soon you can retire.
Your Position
Retirement Goals
Other Accounts
Model Parameters
BTC Retirement Gap Analysis
BTC needed by age vs holdings + DCA accumulation
| Age | Year | Annual Spend | IRA / 401k | BTC Stack | BTC Price | BTC Value | Funded By |
|---|---|---|---|---|---|---|---|
| Calculate to see your year-by-year runway. | |||||||
Active scenario growth rate, applied to BTC price from retirement. All dollar figures are in future, inflation-adjusted dollars.
Retiring before 59 creates a gap: 401k and IRA funds are locked without penalty until then. Your BTC portfolio must fund 100% of spending alone during this window.
The model works backward from age 59 — solving for the exact BTC balance needed at retirement so that inflation-adjusted withdrawals over the bridge period leave zero. That requirement falls naturally as you age closer to 59.
Balance(t+1) = (Balance(t) − Spend(t)) × (1 + rBTC)
Rather than a fixed growth rate, the BTC Power Law (Santostasi) models price as a function of time since genesis — growth decelerates naturally as Bitcoin matures. Three scenario growth rates let you stress-test the outcome.
Price(t) = 10−16.493 × (days since Genesis Block)5.68
The Genesis Block was mined January 3, 2009. The formula is applied directly — no calibration to the live market price — so projections reflect the model's theoretical price path.
Pre-retirement — BTC units (left axis)
Post-retirement — dollar runway (right axis)
See the runway table above for year-by-year balances.