How much Bitcoin
do you need to retire?

It depends on three numbers: the monthly income you want in retirement, the Bitcoin price at that time, and the safe withdrawal rate you're comfortable with. The 4% rule is standard: multiply your desired annual income by 25 to get the total stack value needed, then divide by the Bitcoin price to get the BTC amount. A $5,000/month target at a $500,000 Bitcoin price requires 3 BTC.

The 4% rule says you can withdraw 4% of your portfolio in the first year of retirement, then adjust for inflation each year after, with very low risk of running out of money over 30 years. For Bitcoin holders, lower rates (2-3%) are more conservative given Bitcoin's volatility, while higher rates (5-6%) assume continued long-term appreciation.

Both are useful. Today's price tells you how much BTC you need right now to retire immediately at your target income. A future price scenario ($500K or $1M) tells you the stack you'd need if Bitcoin continues its long-term trend, which is usually a much smaller BTC amount. Try both to see the range.

A 401(k) is denominated in dollars, which lose purchasing power through monetary debasement. Bitcoin is a fixed-supply asset with no central issuer, so the stack size you need doesn't grow with inflation. The tradeoff is volatility — Bitcoin has had multiple 60-80% drawdowns. Most sober financial planners treat Bitcoin as a 1-10% allocation rather than an entire retirement plan.

No. This is a math tool. It shows you what the numbers are under assumptions you choose. Past Bitcoin returns do not predict future returns. Bitcoin is volatile and speculative. Talk to a licensed financial advisor before making retirement decisions.