Crypto Retirement Calculator
Model your path to financial independence with a mix of crypto and traditional investments. Calculate your FIRE number and see how long your portfolio can sustain you.
Your FIRE Number
Amount needed to sustain $3,500/month using the 4% rule
From age 30 to 60
20% of $5,000 income
Moderate Scenario
Scenario Comparison
Conservative
Moderate
Aggressive
Conservative Growth
Moderate Growth
Aggressive Growth
The 4% Rule
The 4% rule suggests you can safely withdraw 4% of your portfolio annually in retirement. This is based on historical market data showing portfolios lasting 30+ years with minimal risk of depletion.
Crypto Allocation
Crypto offers higher growth potential but with greater volatility. Conservative portfolios use 10-20% crypto, moderate 25-40%, and aggressive 50%+. Find your risk tolerance and adjust accordingly.
FIRE Principle
FIRE (Financial Independence, Retire Early) = (Annual Expenses Γ· 0.04). For $42,000 annual expenses, your FIRE number is $1,050,000. Reach this and you can theoretically retire indefinitely.
Monthly Contributions Matter
Compound growth is your ally. Regular monthly contributions accelerate wealth building. Even small increases in savings rate or returns can dramatically impact your retirement timeline over 20+ years.
Scenario Planning
Use conservative, moderate, and aggressive scenarios to understand your range of outcomes. Conservative shows worst-case, aggressive shows best-case, and moderate is your most likely path.
Tax Implications
This calculator doesn't account for taxes. Capital gains, crypto tax events, and retirement account rules (401k, Roth IRA) can significantly impact your net returns. Consult a tax professional.