BITCOIN-NATIVE RETIREMENT
Build the portfolio.
Plan your retirement.
From building your portfolio to funding your life. Bring Bitcoin, treasury stocks, preferred income and cash into one plan.
How to use this planner ↓All starter amounts, prices, rates and future returns are illustrative—not live quotes, recommended allocations or a promise of retirement security.
Retirement spending and other income · enter monthly amounts in today’s dollars
Contributions stop at retirement. Spending and other retirement income start then; the first spending month follows the retirement marker. Other income excludes these preferred distributions.
YOUR MIX
Give every dollar a job.
Percentages of your current portfolio. Use 0% to leave an asset out. New savings and reinvested distributions use this same mix.
No automatic rebalancing. Holdings and their changing weights carry into retirement.
Review prices & return assumptions ↓YOUR RETIREMENT OUTLOOK
The plan, in numbers.
From saving to retirement
After contributions and modeled spending · today's dollars
| Age | Phase | Portfolio | Cash | Spending / mo |
|---|---|---|---|---|
| 40 | Saving years | $1,000,000 | $150,000 | $0 |
| 41 | Saving years | $1,053,981 | $157,787 | $0 |
| 42 | Saving years | $1,110,349 | $165,723 | $0 |
| 43 | Saving years | $1,169,263 | $173,810 | $0 |
| 44 | Saving years | $1,230,889 | $182,051 | $0 |
| 45 | Saving years | $1,295,411 | $190,449 | $0 |
| 46 | Saving years | $1,363,021 | $199,006 | $0 |
| 47 | Saving years | $1,433,929 | $207,724 | $0 |
| 48 | Saving years | $1,508,358 | $216,606 | $0 |
| 49 | Saving years | $1,586,549 | $225,655 | $0 |
| 50 | Saving years | $1,668,760 | $234,874 | $0 |
| 51 | Saving years | $1,755,268 | $244,264 | $0 |
| 52 | Saving years | $1,846,371 | $253,830 | $0 |
| 53 | Saving years | $1,942,390 | $263,573 | $0 |
| 54 | Saving years | $2,043,669 | $273,496 | $0 |
| 55 | Saving years | $2,150,577 | $283,603 | $0 |
| 56 | Saving years | $2,263,513 | $293,896 | $0 |
| 57 | Saving years | $2,382,903 | $304,378 | $0 |
| 58 | Saving years | $2,509,207 | $315,053 | $0 |
| 59 | Saving years | $2,642,920 | $325,923 | $0 |
| 60 | Saving years | $2,784,573 | $336,991 | $0 |
| 61 | Saving years | $2,934,738 | $348,261 | $0 |
| 62 | Saving years | $3,094,031 | $359,736 | $0 |
| 63 | Saving years | $3,263,112 | $371,419 | $0 |
| 64 | Saving years | $3,442,695 | $383,313 | $0 |
| 65 | Retirement begins | $3,633,545 | $395,422 | $0 |
| 66 | Retirement spending | $3,778,309 | $386,666 | $6,986 |
| 67 | Retirement spending | $3,933,697 | $376,665 | $6,986 |
| 68 | Retirement spending | $4,100,597 | $365,426 | $6,986 |
| 69 | Retirement spending | $4,279,963 | $352,953 | $6,986 |
| 70 | Retirement spending | $4,472,825 | $339,253 | $6,986 |
| 71 | Retirement spending | $4,680,288 | $324,329 | $6,986 |
| 72 | Retirement spending | $4,903,547 | $308,187 | $6,986 |
| 73 | Retirement spending | $5,143,885 | $290,829 | $6,986 |
| 74 | Retirement spending | $5,402,687 | $272,259 | $6,986 |
| 75 | Retirement spending | $5,681,444 | $252,480 | $6,986 |
| 76 | Retirement spending | $5,981,763 | $231,495 | $6,986 |
| 77 | Retirement spending | $6,305,376 | $209,305 | $6,986 |
| 78 | Retirement spending | $6,654,148 | $185,912 | $6,986 |
| 79 | Retirement spending | $7,030,093 | $161,317 | $6,986 |
| 80 | Retirement spending | $7,435,378 | $135,520 | $6,986 |
| 81 | Retirement spending | $7,872,340 | $108,523 | $6,986 |
| 82 | Retirement spending | $8,343,500 | $80,324 | $6,986 |
| 83 | Retirement spending | $8,851,574 | $50,924 | $6,986 |
| 84 | Retirement spending | $9,399,493 | $20,320 | $6,986 |
| 85 | Retirement spending | $9,990,332 | $0 | $6,986 |
| 86 | Retirement spending | $10,626,240 | $0 | $6,986 |
| 87 | Retirement spending | $11,310,299 | $0 | $6,986 |
| 88 | Retirement spending | $12,046,242 | $0 | $6,986 |
| 89 | Retirement spending | $12,838,095 | $0 | $6,986 |
| 90 | Retirement spending | $13,690,200 | $0 | $6,986 |
One path from your inputs, not a forecast or a success probability. Both lines show assets you hold, not a required-savings target. A positive balance alone does not mean every expense is funded.
First retirement month · age 65 · today's dollars
83.4% of spending is covered by other income and modeled preferred distributions. 129.7% of essential spending. Coverage can change over time.
Assets remaining at age 90$13,516,030 growth value
Fractional units are modeled. Company-held Bitcoin is not added to your directly owned BTC. Dollar values use today's dollars.
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Advanced assumptionsSaving, Bitcoin, treasury-company growth, preferred income & inflation
Before retirement
Contributions and reinvested distributions buy fractional units at modeled month-end prices. Existing holdings are not sold to maintain the allocation. Cash interest stays in cash.
Economy & Bitcoin
Spending is inflated from today through both phases. Other retirement income is entered in today’s dollars at retirement, converted using pre-retirement inflation, then grows at its own rate. This version uses a smooth BTC price path; it does not estimate the probability of a bear market or retirement success.
Treasury-company assumptions
Stock price = starting price × BTC price factor × BTC/share growth factor × valuation-multiple change. BTC/share growth is after dilution on a consistent basis. The multiple is equity price divided by gross BTC backing per share—not enterprise-value mNAV. Debt, preferred claims and financing are not separately projected. These annual rates compound over the entire 50-year horizon.
MSTR
ASST
Preferred income
STRC
SATA
Rate × $100 stated amount gives annual dividends per share. This version holds preferred market prices and dividends constant. In retirement, distributions are spent first and preferred holdings are retained. Actual payments, market prices and issuer circumstances can differ; monthly-equivalent cash flow is not a payment guarantee.
How to use this planner
1. Choose your starting point. Planning for retirement adds saving years: enter your current age, retirement age, current portfolio and monthly contributions. Starting retirement skips new savings and begins spending at your current age. Plan through age is a modeling horizon, not a prediction of life expectancy.
2. Build your mix and spending plan. Assign 100% across growth, income and cash. Enter essential and flexible spending in today’s dollars. Enter pensions, Social Security or other external retirement income separately; do not include these preferred distributions a second time. All other income starts at retirement in this version.
3. Read the graph, then test your assumptions. The retirement marker separates saving from spending. Contributions stop there; income, cash and growth withdrawals fund the spending years. Change an input to see the entire path update. Use Summary for annual values and the month slider for the transition.
How the saving years work
The current portfolio buys fractional units at the entered starting prices. Each month, cash earns its assumed return, preferred distributions are calculated on existing shares, and new savings are added at month-end. Reinvested distributions buy the selected mix; they are never counted as spending cash. The default reinvestment rule does not rebalance the whole portfolio.
How retirement spending works
Other income and preferred distributions cover spending first. Surplus income goes to cash. A remaining gap uses cash, then sells BTC and treasury-company shares pro rata by current market value. This version does not sell preferred holdings, borrow against assets or assume missed expenses are magically funded later. Shortfalls stay visible even when some assets remain.
Today’s dollars, contributions and taxes
Today’s dollars remove modeled inflation from portfolio values so you can compare purchasing power. Future dollars show nominal balances. Monthly contribution inputs are nominal dollars; contribution growth is separate from inflation. The contributions total is labeled in future dollars, not investment gains. This model is before taxes and fees; it does not calculate account-specific withdrawal rules or taxes when changing an existing portfolio.
What treasury-company and preferred exposure means
Treasury stocks are not spot Bitcoin. BTC/share growth and the gross-backing valuation multiple can change independently. Company-held BTC is not directly owned or redeemable by the shareholder. Preferred distributions and market values are separate from liquidation claims; issuer concentration can affect several holdings together. Read the BTC/share guide and Preferred Income Calculator for those building blocks.
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