How much Bitcoin do you need to retire?

As Bitcoin continues to evolve as a store of value and an alternative financial asset, more and more investors are asking a big question: how much BTC do you need to retire comfortably? According to a 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 an annual cost of $100,000. This figure is equivalent to approximately $400,000 in today's market—assuming Bitcoin continues its long-term upward trajectory. "This is considered the worst-case scenario," Soni explained in a tweet, adding that many people with such capital would still not allocate it to Bitcoin - often because they rely on traditional financial advisors who remain skeptical about cryptocurrencies.

BTC is necessary according to 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 number of BTC needed to maintain an annual cost of $100,000. Here are some key points: Age 25 today → Need ~4.52 BTC to retire in 2030Age 45 today → Need ~4.28 BTC to retire in 2030Age 65 today → Need ~3.94 BTC to retire in 2030Age 5 today → Only need ~0.63 BTC to retire in 2075 Why is this important Bitcoin is often considered 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 power of early adoption—only a small portion of a coin today can 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 Soni warns that ignoring Bitcoin due to outdated advice could mean missing out on an opportunity.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.