Hey everyone. I've been running some spreadsheet scenarios trying to figure out exactly when I can finally escape the fiat mine.
The problem is, every traditional FIRE or retirement calculator out there completely ignores real monetary debasement. They treat a 4% withdrawal rate on an S&P 500 portfolio as gospel, while ignoring the reality of the M2 money supply expanding.
I couldn't find a tool that lets you blend your current traditional net worth with your BTC stack and project it out using realistic adoption metrics. So, I coded a free, purely math-based calculator for my own planning.
It takes your current age, your fiat net worth, your BTC stash, and a conservative appreciation rate, and plots your exact path to financial independence on a chart.
Iād love for the math nerds and long-term HODLers here to tear my default assumptions apart. Are the chart projections realistic for the next halving cycles?
You can run your numbers here (no email required, completely free): https://threedolar.com.br/en/bitcoin-retirement-calculator/
Traditional retirement calculators are broken because fiat is broken. I built one for the Bitcoin standard.
byu/Appropriate-Stop6919 inBitcoin
Posted by Appropriate-Stop6919
1 Comment
By setting growth to zero I was able to trigger a NaN š
> Your Bitcoin Retirement Plan
> To reach $2.00 by age 12, assuming an average appreciation of 0% p.a., your plan would be:
> šÆ Suggested Annual Investment: $NaN (equiv. to ~NaN BTC)
> šļø Suggested Monthly Investment: $NaN (equiv. to ~NaN BTC)