Crypto Retirement Calculator
A FIRE-style projection with crypto-honest inputs: choose the growth rate, apply a withdrawal rate, and see the income the stack could support.
Results (live)
Estimates only, not financial advice. All math runs in your browser; nothing you type leaves this page.
How it works
grow monthly with contributions for N years
annual income = final portfolio × withdrawal rate
Worked example
$50k now, $800 monthly at 12% for 15 years builds roughly $560k. At a 4% withdrawal rate that funds $22,400 a year, so early retirement needs either more time or lower expenses.
FAQ
Does the 4% rule work with crypto?
It was researched on stock/bond portfolios. Crypto's volatility makes sequence risk worse, so many use 3% or keep two years of expenses in stables as a buffer.
Which growth number should I use?
Lower than you want to. A plan that works at 8% and delights at 15% beats one that needs 25% to exist.
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Estimates only, not financial, tax or investment advice. Verify numbers against your exchange or a professional before acting.