₿ Bitcoin Retirement Calculator

Never sell your Bitcoin. Borrow against it, refinance every year, and live off your stack — the borrow 'til you die strategy.

Your current Bitcoin stack
Yearly living expenses in today's dollars
Starting price for growth projections
How fast your spending grows each year
Assumed annual Bitcoin appreciation
Interest charged on your outstanding loan
How much of your stack you borrow against — most lenders cap at ~50%
Advanced Settings
Your age today
End of the simulation horizon (life expectancy)