Using the Crypto Retirement Planning Calculator
Enter your inputs above and compare the result with the worked example. Review the assumptions before applying it to a trade, portfolio or tax return.
Worked example
Use the example inputs below to reproduce this result. These are the form's starting values, not recommended targets. Changing your inputs updates your result above; this worked example stays fixed for comparison. Results are rounded for display.
Example inputs
- Currency (use for all money amounts)
- USD
- Current portfolio value
- 50000
- Annual contribution
- 6000
- Target crypto allocation (%)
- 10
- Assumed annual crypto return (%)
- 5
- Assumed annual return on other assets (%)
- 5
- Years to retirement
- 25
- Annual inflation (%)
- 3
- Target annual spending in today's money
- 40000
- Assumed withdrawal rate (%)
- 4
Example result
- Projected nominal balance (USD)
- 455,680.34
- Balance in today's money (USD)
- 217,635.47
- Illustrative annual spending (USD)
- 8,705.4187
- Annual spending gap (USD)
- 31,294.581
Method and assumptions
Rebalance annually to the target allocation and apply the weighted return, then add a fixed nominal contribution at year end. Divide by cumulative inflation and multiply by the withdrawal rate. Constant returns omit drawdowns, sequence risk, taxes and retirement longevity.
Reference: investor.gov — method and further reading
How to interpret crypto estimates
Use prices and costs in the same currency. Market observations are venue-specific. Hypothetical returns are scenarios, and historical observations do not predict future prices. These tools provide educational estimates and do not constitute investment or tax advice.
Common question
Does the spending result account for a crash just before retirement?
The projection applies the same returns every year. It cannot capture the effect of a drawdown near the start of withdrawals.