How Much Bitcoin Do You Need to Retire?

As Bitcoin continues to mature as a store of value and alternative financial asset, more investors are asking the big question: how much BTC would you need to retire comfortably? According to chart, shared by Rajat Soni, CFA, if you’re 45 years old today, you’d need approximately 4.28 BTC to retire by 2030 with $100,000 in annual expenses. That equates to roughly $400,000 in today’s market—assuming Bitcoin continues its long-term appreciation trajectory. “This is meant to be the worst-case scenario,” Soni explains in a tweet, adding that many people who already have that kind of capital still won’t allocate to Bitcoin—often because of reliance on traditional financial advisors who remain skeptical about crypto. BTC Needed by Age and Year The visual from @sminston_with helps break this down across age groups and retirement years. It assumes a 7% inflation-adjusted growth rate and calculates BTC required to sustain $100,000/year in expenses. Here are some key takeaways: Age 25 today → Needs ~4.52 BTC to retire by 2030 Age 45 today → Needs ~4.28 BTC to retire by 2030 Age 65 today → Needs ~3.94 BTC to retire by 2030 Age 5 today → Needs just ~0.63 BTC to retire by 2075 Why This Matters Bitcoin is often seen purely as a speculative asset, but its scarcity and performance over time suggest it may become a serious part of long-term retirement planning. The chart also emphasizes the power of early adoption—just a fraction of a coin today could support a full retirement decades from now. Soni warns that ignoring Bitcoin due to outdated advice might mean missing the window of opportunity. “They’ll hold stocks and real estate until it’s too late,” he notes. Reporter at Coindoo Kosta has been a part of the team since 2021 and has solidified his position with a thirst for knowledge, incredible dedication to his work and a “detective-like” mindset. He not only covers a wide range of trending topics, he also creates reviews, PR articles and educational content. His work has also been referenced by other news outlets. Related stories Next article !function(f,b,e,v,n,t,s){if(f.fbq)return;n=f.fbq=function(){n.callMethod?n.callMethod.apply(n,arguments):n.queue.push(arguments)};if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';n.queue=[];t=b.createElement(e);t.async=!0;t.src=v;s=b.getElementsByTagName(e)[0];s.parentNode.insertBefore(t,s)}(window,document,'script','https://connect.facebook.net/en_US/fbevents.js');fbq('init','1188189499475368');fbq('track','PageView'); Source: https://coindoo.com/how-much-bitcoin-do-you-need-to-retire/