These are hypothetical constant-growth scenarios, not Power Law, Stock-to-Flow, or Rainbow Chart forecasts. All assume positive returns and omit volatility, fees, taxes, and inflation. Bitcoin can lose value. The full calculator uses different methods: a market-price-anchored time power function for Power Law and a halving-cycle growth heuristic for Stock-to-Flow, not PlanB's original regression. Results will differ. No returns or retirement date are guaranteed.
How Much Bitcoin to Retire on $35,000/Month?
To live on $35,000 per month ($420,000/year), you need a portfolio of $10,500,000 based on the 4% withdrawal rule.
Financial Freedom Number
$10,500,000
25x annual expenses
Bitcoin Needed Today
105.00 BTC
at $100,000 per BTC
Annual Withdrawal
$420,000
4% of portfolio/year
Timeline by Hypothetical Growth Scenario
How long it takes to reach $10,500,000 through Dollar Cost Averaging (DCA) — starting from zero Bitcoin.
35% growth scenario
You need 105.00 BTC at today's price to retire immediately
21 yrs
18.7 yrs
40% growth scenario
You need 105.00 BTC at today's price to retire immediately
19.1 yrs
17 yrs
20% growth scenario
You need 105.00 BTC at today's price to retire immediately
31.8 yrs
27.9 yrs
25% growth scenario
You need 105.00 BTC at today's price to retire immediately
26.8 yrs
23.8 yrs
How the Calculation Works
Step 1: Financial Freedom Number. Using the 4% rule from the FIRE movement, we calculate that you need 25 times your annual expenses. With $35,000/month ($420,000/year), your target is $10,500,000.
Step 2: Bitcoin Equivalent. At today's Bitcoin price of $100,000, that equals 105.00 BTC.
Step 3: DCA Projection. Starting from zero BTC, we convert each annual compound rate to a monthly rate using (1 + annual rate)^(1/12) − 1. We buy BTC at each month's projected price and compare the portfolio to a fixed target of $10,500,000. The 4% guideline is not validated for a Bitcoin-only portfolio.
Important: These are hypothetical fixed-growth calculations, not named-model forecasts. Bitcoin is volatile and past performance doesn't guarantee future results. Always consult a financial advisor.