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Bitcoin Retirement Planning Calculator

Explore how Bitcoin might fit into your long-term retirement strategy. This calculator lets you see how your Bitcoin and traditional investments could grow between now and retirement, based on your assumptions.

Your Inputs

years

How old are you now?

years

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

Total Projected Retirement Portfolio
$15,156,757

In 35 years when you turn 65

Portion Attributable to Bitcoin
$14,089,099

93.0% of your total retirement portfolio

Portion from Traditional Investments
$1,067,658

7.0% of your total retirement portfolio

Estimated Safe Annual Withdrawal
$606,270

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.

Ready to build a real retirement plan?

A Bitcoin-aware financial advisor can help you create a comprehensive retirement strategy that balances Bitcoin with traditional investments while considering tax efficiency and risk management.

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