This calculator helps you project your potential Bitcoin (BTC) savings for retirement based on the parameters you provide. Here's a breakdown of the process:

• Initial Setup: Your journey begins with your Starting Bitcoin (BTC) amount and the Current BTC/USD Price. These are used to establish the initial USD value of your Bitcoin portfolio.
• Contributions: You specify a Contribution Amount (USD) and how often you'll make these contributions (Contribution Frequency: Daily, Monthly, Quarterly, or Annually).
  • Each time a contribution is made, that USD amount is used to "buy" Bitcoin at the projected BTC/USD price for that specific period. This means the amount of BTC acquired per contribution can vary as the projected price of Bitcoin changes over time.
• Price Growth & Compounding:
  • The Assumed Annual BTC Percentage Price Growth Rate you enter is applied to the USD price of Bitcoin. This growth is compounded according to your chosen contribution frequency. For example, if you contribute monthly, the annual growth rate is converted into an effective monthly growth rate, which is then applied to the total USD value of your portfolio each month.
  • This means that not only does your initial Bitcoin's USD value grow, but the USD value of all subsequent contributions (and the BTC they purchase) also benefits from this compounding price appreciation.
• Yearly Breakdown:
  • Age: Your age at the end of each year.
  • Starting BTC (Qty): The total quantity of Bitcoin you hold at the beginning of the year.
  • Contrib. (USD): The total USD amount you contributed during that year.
  • Contrib. (BTC Qty): The total quantity of Bitcoin acquired through your USD contributions during that year, based on the projected BTC prices at the time of each contribution.
  • % Growth (Portfolio USD): The percentage increase in your portfolio's total USD value for that year, resulting from the assumed price growth.
  • Portfolio Growth (USD): The absolute increase in your portfolio's total USD value for that year due to price appreciation.
  • Ending BTC (Qty): The total quantity of Bitcoin you hold at the end of the year.
  • Ending Value (USD): The total projected USD value of your entire Bitcoin portfolio at the end of the year.
• Final Projection:
  • The calculator projects the total USD value of your portfolio at your Target Retirement Age.
  • It also projects what the BTC/USD price might be at that future date, based on your assumed annual growth rate.
  • The "Projected Bitcoin Equivalent" is then calculated by dividing your total projected portfolio USD value by this projected future BTC/USD price. This gives you an idea of how much Bitcoin your total savings might be worth at that time.

Remember, these are projections based on your assumptions. The actual performance of Bitcoin can be very different.