$100K in Bitcoin vs High-Yield Savings over 20 years
Bitcoin (PL)
$14.6M
Power Law
High-Yield Savings
$265K
5% avg return
Difference
$14.4M
Bitcoin wins
50/50 Split
$7.5M
half in each
Portfolio Comparison
Year-by-Year Comparison
| Year | Bitcoin (PL) | High-Yield Savings | BTC Infl-Adj | High-Yield Savings Infl-Adj |
|---|---|---|---|---|
| 2026 | $202K | $100K | $202K | $100K |
| 2028 | $372K | $110K | $350K | $104K |
| 2030 | $643K | $122K | $571K | $108K |
| 2032 | $1.1M | $134K | $888K | $112K |
| 2034 | $1.7M | $148K | $1.3M | $117K |
| 2036 | $2.6M | $163K | $1.9M | $121K |
| 2038 | $3.8M | $180K | $2.7M | $126K |
| 2040 | $5.5M | $198K | $3.6M | $131K |
| 2042 | $7.8M | $218K | $4.8M | $136K |
| 2044 | $10.8M | $241K | $6.3M | $141K |
| 2046 | $14.6M | $265K | $8.1M | $147K |
Verdict
Power Law: Bitcoin wins — $14.4M more.
CAGR 20%: Bitcoin wins — $3.6M more.
Break-even: Bitcoin only needs 5.0% annual growth to match High-Yield Savings.
$100K Bitcoin vs High-Yield Savings
This comparison puts $100K into Bitcoin versus High-Yield Savings at a 5% average annual return over 20 years. Bitcoin projections use the Power Law model.
Not financial advice. Past performance does not guarantee future results.
$100K vs other assets
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.