Free kit

Crypto millionaire & retirement calculator

How many coins you need for $1M or a retirement income, and the monthly amount to get there. Educational, not financial advice.

Try an example:

Goal

Assumptions

Price scenarios

Prefilled 0.5×, 2× and 5× today — edit freely.

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Hypothetical scenarios, not predictions. Educational, not financial advice. Crypto is volatile and can lose most or all of its value.

How it works

Pick a money goal — like $1,000,000, or enough to pay yourself a yearly income — and see how many coins that takes at different prices and how much you'd need to invest each month to get there at an assumed growth rate.

  1. 1
    Choose your goal$X target or yearly retirement income
  2. 2
    Set assumptionsPrice scenarios, years, growth %
  3. 3
    See the pathCoins needed + monthly amount

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Ledger

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Hardware wallets (e.g. Nano X) with the Ledger Live app.

Best for: Cold storage for long-term holders

Pricing: see official site

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SafePal

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Self-custody wallet range: mobile app, browser extension and hardware wallets (air-gapped S1, Bluetooth X1).

Best for: One brand for app + hardware wallet

Pricing: see official site

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ELLIPAL

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#7

Hardware wallets (air-gapped Titan 2.0, NFC X Card) managed through the ELLIPAL app.

Best for: Air-gapped QR-signing cold storage

Pricing: see official site

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Delta

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Investment tracker app for crypto, stocks and more.

Best for: Mixed crypto + stock portfolios

Pricing: see official site

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Disclosure: some links are affiliate or sponsored links (labelled); we may earn a commission at no extra cost to you. Placement in this list is editorial except items marked Sponsored. Educational, not financial advice.

Current price data provided by CoinGecko.

Questions, answered

How much Bitcoin do I need to be a millionaire?

Divide $1,000,000 by the price you assume. At $100,000 per BTC that's 10 BTC; at $500,000 it's 2 BTC. Nobody knows future prices, so try several scenarios.

What is a withdrawal rate?

The percent of your portfolio you take out each year. Dividing desired yearly income by the withdrawal rate gives the portfolio needed, e.g. $60,000 ÷ 4% = $1,500,000. The '4% rule' comes from historical stock/bond studies and is not guaranteed, especially for volatile assets like crypto.

How is the monthly contribution calculated?

With the future value of an annuity: monthly compounding at your assumed growth rate, contributions at the end of each month, after growing any current holdings.

Are these predictions?

No. Prices and growth rates are your assumptions. Hypothetical, educational, not financial advice.

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