How much bitcoin do you really need to retire?
How much bitcoin do you really need to retire?
The Bitcoin Retirement Calculator is a free tool designed to help you figure out how much bitcoin you need for the life you want!
Whether you’re stacking sats casually or going all-in on a bitcoin retirement strategy, this calculator gives you a clear picture. You set your goals, we crunch the numbers
The calculator will answer:
- How much bitcoin do you need based on your retirement target?
- How long might it take to get there?
Stacking sats isn’t about guessing the price of bitcoin in 2050. It’s about planning smarter using real math and self-custody knowing your bitcoin will actually be there versus hoping your custodian doesn’t lose your bitcoin
If you’ve ever wondered “am I stacking enough?” This is the answer. No fluff, no financial jargon, just a simple way to figure out your bitcoin retirement path.
Use this -> Bitcoin Retirement Calculator
FAQ
Bitcoin can be part of a diversified retirement strategy. Bitcoin can also be highly volatile and should typically represent only a portion of your retirement portfolio. Consider your risk tolerance, investment timeline and overall financial situation before investing in any asset - bitcoin or otherwise.
The right amount depends on your risk tolerance, age, and financial goals. Use our calculator to model different scenarios and
if you have any questions, speak with one of our Executive Bitcoin Advisors
The 4% rule suggests you can safely withdraw 4% of your retirement portfolio annually without running out of money. This is based on Trinity Study’s safe withdrawal research.
Direct bitcoin ownership requires a self-directed IRA. Consult with a financial professional about the best approach for your situation.
Long-term bitcoin storage requires careful planning. Options include hardware wallets and multi-signature setups.
We recommend self-custody
to all our customers; we never recommend holding significant amounts of bitcoin on exchanges.
While some have achieved financial independence through bitcoin, retiring on any single asset can be risky. Consider bitcoin as part of a broader retirement strategy that includes other assets, skills, and income sources.
Steve has self-custodied bitcoin since 2016 -- before SegWit, Taproot, or ETFs -- weathering three halvings and two bear markets. As Digital Marketing Specialist at Bitcoin Well, he turns security-first best practices into plain English for newcomers.