.png)
I’ve been in crypto for a while, but planning for retirement using BTC still feels a bit like navigating in the fog. Like, how do you even begin calculating what 1 BTC might be worth in 20 years? I get that it depends on a ton of factors, but I’m curious if anyone here has actually tried to build a plan or use any tools for this? I'm in my early 40s and trying to figure out if holding some BTC long-term could really support me down the road.
top of page
bottom of page
That’s a great question, and honestly, I’ve been struggling with the same thoughts lately. The volatility makes it tricky, but I’ve found that planning with different growth rate assumptions helps a lot—like using 6%, 10%, and even 15% annually, just to stress test my scenarios. One tool that really helped me visualize all this is this BTC Retirement Calculator backofnapkin.co: https://backofnapkin.co/personal-finance-calculators/btc-retirement/. It lets you plug in your current BTC holdings, target retirement year, and your assumptions about price growth. What’s cool is it doesn't just spit out one number—it shows you the results year by year, so you can see how your savings grow over time. Personally, I’ve started setting monthly BTC targets just like I do for fiat retirement savings, and I keep adjusting them based on what the market is doing. It’s not perfect, but it gives me some peace of mind.