As Bitcoin continues to grow as a store of value and alternative financial asset, more and more investors are asking the big question: how much BTC do you need to retire comfortably?
According to the chart shared by Rajat Soni, CFA, if you are 45 years old today, you will need about 4.28 BTC to retire in 2030 with $100,000 in annual expenses. This figure equates to about $400,000 at today's market—assuming Bitcoin continues its long-term bullish trajectory.
"This is considered the worst-case scenario," Soni explained in a tweet, adding that many who have such capital still would not allocate it to Bitcoin - often because they rely on traditional financial advisors who remain skeptical of cryptocurrency.
BTC needed by age and year
The image from @sminston_with helps analyze this by age group and retirement year. It assumes an inflation-adjusted growth rate of 7% and calculates the amount of BTC needed to sustain $100,000/year in expenses.
Here are some key points:
Age 25 today → Need ~4.52 BTC to retire in 2030
Age 45 today → Need ~4.28 BTC to retire in 2030
Age 65 today → Need ~3.94 BTC to retire in 2030
Age 5 today → Only need ~0.63 BTC to retire in 2075
Why this matters
Bitcoin is often viewed as a purely speculative asset, but its scarcity and performance over time suggest it could become an important part of a long-term retirement plan.
The chart also highlights the strength of early adoption—just a small portion of a coin today could support a full retirement for many decades to come.
Soni warns that ignoring Bitcoin due to outdated advice could mean missing out on an opportunity. "They will hold stocks and real estate until it's too late," he notes.
