Start at 22, Retire at 40(All-in Bitcoin DCA)
18 years of accumulation. All savings into Bitcoin.
Accumulation
18 years
age 22 → 40
Portfolio at Retirement
$5.5M
Power Law model
Monthly Budget
$8,512
at retirement
Sustainable?
Yes
through age 85
Strategy Comparison
| Strategy | Portfolio at 40 | Sustainable? |
|---|---|---|
| Default (diversified) | $2.7M | Yes |
| Aggressive (100% BTC DCA) | $5.5M | Yes |
| Traditional 60/40 | $843K | No |
What If You Shifted Retirement?
| Retire at | Years | Portfolio | Sustainable? |
|---|---|---|---|
| 35 | 13 | $2.1M | Yes |
| 40 ★ | 18 | $5.5M | Yes |
| 45 | 23 | $11.9M | Yes |
Portfolio Growth Projection
Portfolio Comparison
Model Comparison
| Model | Portfolio at Retirement | Monthly Budget (inflation-adj.) | Sustainable? | Depletion Age | Max Expenses |
|---|---|---|---|---|---|
| Power Law | $5.5M | $9K | Yes | — | $264K/yr |
| CAGR 20% | $3.6M | $9K | Yes | — | $265K/yr |
| Traditional 60/40 | $843K | $9K | No | 48 | $19K/yr |
Decade Summary
| Age | Year | Stocks | Bonds | BTC | Other | Total | BTC Amount | BTC Price |
|---|---|---|---|---|---|---|---|---|
| 22 | 2026 | $0 | $0 | $10K | $0 | $10K | 0.149419 BTC | $135K |
| 32 | 2036 | $0 | $0 | $1.2M | $0 | $1.2M | 0.703061 BTC | $1.7M |
| 40★ | 2044 | $0 | $0 | $5.5M | $0 | $5.5M | 0.757294 BTC | $7.2M |
| 42 | 2046 | $0 | $0 | $7.1M | $0 | $7.1M | 0.729576 BTC | $9.8M |
| 52 | 2056 | $0 | $0 | $24.2M | $0 | $24.2M | 0.654578 BTC | $37.0M |
| 62 | 2066 | $0 | $0 | $67.5M | $0 | $67.5M | 0.624132 BTC | $108.1M |
| 72 | 2076 | $0 | $0 | $162.0M | $0 | $162.0M | 0.608819 BTC | $266.1M |
| 82 | 2086 | $0 | $0 | $346.8M | $0 | $346.8M | 0.599884 BTC | $578.1M |
| 85 | 2089 | $0 | $0 | $427.8M | $0 | $427.8M | 0.597898 BTC | $715.6M |
18 Years: From 22 to Retired at 40
The difference between retiring at 40 and 45isn't just 5 more years of work — it's 5 fewer years of portfolio growth AND 5 more years of withdrawals. That double impact makes each year of earlier retirement exponentially more expensive.
With 18 years of accumulation starting at 22, the Power Law model projects a portfolio of $5.5M by age 40. This comfortably sustains $60K/year expenses through age 85.
The aggressive all-in Bitcoin strategy concentrates all savings into BTC. This maximizes upside under optimistic models but carries significant concentration risk. Compare with the diversified default scenario to see the trade-off.
This is not financial advice. Past performance does not guarantee future results.
Explore related scenarios
You might also like
New to Bitcoin? Start here.
Our free 10-module course covers everything from the basics to self-custody — no jargon, no shilling.
Want to customize these numbers?
Use the full Bitcoin FIRE Calculator to adjust your age, savings, expenses, and growth models. Plus explore our free 10-module Bitcoin course.