Cycle Low Multiple
Divides the bitcoin price history into eras. Each era represents the days within a block reward subsidy period.
Bitcoin Retirement Goal Calculator
Plan Your Bitcoin Retirement
See if your Bitcoin holdings and recurring contributions are on track to reach your retirement goal, based on an expected annual growth rate.
iHow much Bitcoin you own today. For example, 0.5 for half a Bitcoin.
BTC
iThe Bitcoin price your projection starts from. Usually today's price.
$
iThe total dollar amount you want your portfolio to reach by retirement.
$
iHow many years until you plan to retire. Between 1 and 50.
years
iHow much you expect Bitcoin's price to grow each year, on average. Enter 12 for 12% per year.
% / yr
iHow much you plan to invest on a regular schedule. Set to 0 if you don't plan to add more.
$
iHow often you make the recurring contribution above.
Projected Value in 20 Years
$417,090.80
$582,909.20 short of your $1,000,000.00 target
Today
Your starting position
Bitcoin held
1.0 BTC
BTC price
$61,997.89
Portfolio value
$61,997.89
Contributions
$0.00 monthly
Total contributed
$0.00
BTC accumulated
0.0 BTC
At Retirement
At 10.0% annual growth
Bitcoin held
1.0 BTC
BTC price
$417,090.80
Portfolio value
$417,090.80
Total appreciation
$355,092.91
Bitcoin Retirement Goal Calculator Explained
What This Calculator Does:
This calculator projects your Bitcoin holdings using your expected Compound Annual Growth Rate (CAGR) and optional Dollar-Cost Averaging (DCA) contributions to show whether you are on pace to reach your retirement goal by your target year.
How the Calculator Works:
The calculator compounds the BTC price each year using your expected CAGR, applies any recurring DCA contributions, and tracks the impact on your portfolio:
- Input: Your current BTC holdings, current BTC price, retirement goal amount, years until retirement, expected CAGR, and optional DCA contribution plus frequency
- Calculation: Applies the expected CAGR to project future BTC prices, adds your DCA contributions each period, and calculates portfolio value year by year
- Output: Shows the expected CAGR, cumulative contributions, projections, and whether you meet your retirement goal
Calculator Inputs:
1. Amount of BTC: The amount of Bitcoin you currently hold
2. Current BTC Price: The current Bitcoin price (defaults to live price, but can be customized)
3. Retirement Goal: Your target USD amount for retirement
4. Years to Retirement: How many years until you want to reach your goal
5. Expected CAGR: The annualized return you believe Bitcoin can achieve
6. DCA Contribution & Frequency: The amount you plan to invest each period and how often you invest
Understanding the Results:
The chart shows year-by-year projections displaying:
- BTC Price Line (Yellow): How Bitcoin's price grows at the expected CAGR
- Portfolio Value Line (Blue): The total USD value of your Bitcoin holdings
- Appreciation Line (Green): The gain from your current investment
Key Insights:
- Goal Status: Quickly see if your projected portfolio reaches your retirement target
- Expected CAGR: The return assumption you entered to drive the projection
- DCA Impact: Understand how consistent contributions affect your holdings over time
- Feasibility Check: Compare your expected CAGR and DCA plan to Bitcoin's historical performance and your risk tolerance
Note: This calculator assumes you hold a fixed amount of Bitcoin in addition to any DCA contributions. The expected CAGR and DCA plan are your own assumptions and may not be achievable depending on market conditions.
Disclaimer
Any information found on this page is not to be considered as financial advice. You should do your own research before making any decisions.
