Purchasing Power

Can I retire on my bitcoin?

Sell it today, buy inflation-protected U.S. Treasury bonds, and this is the yearly income in today's dollars. Then a look at what holding would have done through bitcoin's real history.

a year after tax,

0% of it in bitcoin.

What you sell goes into Treasury bonds, and that income holds even if bitcoin goes to zero.

Retirement check results
Sold today, after tax -
In Treasury bonds it pays, whatever bitcoin does -a year
With the bitcoin you keep, if it only keeps pace with inflation -a year
That covers -of what you need
Bitcoin needed to cover it all -
Or this stack at a bitcoin price of -
When I sell
%

A flat rate on the whole sale. If you paid a lot for your coins, use a lower one.

The bonds
%

Federal tax on the interest and on each year's inflation bump. Treasuries pay no state tax.

Loading the live price.

What bitcoin's real history would have done

The other road is to keep the bitcoin and sell a little every month. Each bar retires with the same amount as today, adjusted for inflation, all in bitcoin, selling every month for what you need. This history is mostly a bull market, so it flatters bitcoin. Look at the starts near the 2017 and 2021 peaks: that is what a crash early in retirement does.