Bitcoin Straight Up · Financial Freedom Calculator

When does Bitcoin set you free?

Watch the dollar number you'd need to retire rise every year because fiat keeps falling. Watch the Bitcoin number fall every year because the free market keeps working. The crossover is where you stop working for money and money starts working for you.

Your numbers

Bitcoin growth model

Returns decay over time as the network matures. Around 30 to 40% early, dropping toward single digits long-term. Based on Santostasi's Power Law.

Current Bitcoin price

Loading live price from CoinGecko...Monthly expenses

What you actually spend in a typical month. Not what you wish you spent.Cost-of-living inflation

How much more expensive your life gets each year. The official number is 3%. Reality is closer to 5 to 8%.Bitcoin you already own

BTC

Your current stack. Decimals welcome. 0.1 BTC is a starting point.Dollars to stack each year

How much fiat you'll convert to Bitcoin every year. Yearly DCA, not lump sum.

You hit financial freedom in

2049

That's the first year your Bitcoin balance covers your retirement number at 25× annual expenses. Your stack is 0.3073 BTC and you only need 0.2830 BTC to retire.

Take your plan with you

Save your numbers as a printable PDF — your freedom year, year-by-year table and what to do next, all in one document you can print, file or share. Drop your email too and Mike will send new tools and frameworks as they drop.

Year by year · live updating$ to retire goes up · BTC to retire goes down

Showing the columns that matter most. Rotate your phone for the full year-by-year breakdown.

Year	BTC price	BTC growth	Monthly $	$ to retire	BTC to retire	Your BTC	Surplus / Deficit
2026	$75K	38.0%	$5,000	$1.50M	12.00	0.1000	-11.9000
2027	$104K	35.8%	$5,250	$1.57M	9.128	0.1483	-8.9799
2028	$141K	33.6%	$5,513	$1.65M	7.057	0.1839	-6.8729
2029	$188K	31.8%	$5,788	$1.74M	5.544	0.2105	-5.3336
2030	$248K	30.2%	$6,078	$1.82M	4.416	0.2306	-4.1856
2031	$322K	28.8%	$6,381	$1.91M	3.562	0.2462	-3.3162
2032	$415K	27.3%	$6,700	$2.01M	2.905	0.2582	-2.6465
2033	$529K	26.1%	$7,036	$2.11M	2.395	0.2677	-2.1276
2034	$667K	25.0%	$7,387	$2.22M	1.994	0.2752	-1.7191
2035	$833K	24.0%	$7,757	$2.33M	1.675	0.2812	-1.3941
2036	$1.03M	23.0%	$8,144	$2.44M	1.418	0.2860	-1.1322
2037	$1.27M	22.1%	$8,552	$2.57M	1.211	0.2899	-0.9206
2038	$1.55M	21.3%	$8,979	$2.69M	1.041	0.2931	-0.7476
2039	$1.88M	20.6%	$9,428	$2.83M	0.9007	0.2958	-0.6049
2040	$2.27M	19.9%	$9,900	$2.97M	0.7839	0.2980	-0.4860
2041	$2.72M	19.2%	$10,395	$3.12M	0.6867	0.2998	-0.3869
2042	$3.25M	18.6%	$10,914	$3.27M	0.6049	0.3014	-0.3035
2043	$3.85M	18.1%	$11,460	$3.44M	0.5355	0.3027	-0.2328
2044	$4.55M	17.5%	$12,033	$3.61M	0.4762	0.3038	-0.1725
2045	$5.34M	17.0%	$12,635	$3.79M	0.4256	0.3047	-0.1209
2046	$6.25M	16.5%	$13,266	$3.98M	0.3821	0.3055	-0.0766
2047	$7.28M	16.1%	$13,930	$4.18M	0.3444	0.3062	-0.0382
2048	$8.45M	15.6%	$14,626	$4.39M	0.3116	0.3068	-0.0048
2049 ★	$9.77M	15.2%	$15,358	$4.61M	0.2830	0.3073	+0.0243
2050	$11.25M	14.8%	$16,125	$4.84M	0.2580	0.3077	+0.0498
2051	$12.92M	14.5%	$16,932	$5.08M	0.2359	0.3081	+0.0722
2052	$14.79M	14.1%	$17,778	$5.33M	0.2164	0.3085	+0.0921
2053	$16.87M	13.8%	$18,667	$5.60M	0.1992	0.3088	+0.1096
2054	$19.19M	13.4%	$19,601	$5.88M	0.1838	0.3090	+0.1252
2055	$21.77M	13.2%	$20,581	$6.17M	0.1702	0.3092	+0.1391
2056	$24.63M	12.8%	$21,610	$6.48M	0.1579	0.3095	+0.1516
2057	$27.80M	12.6%	$22,690	$6.81M	0.1469	0.3096	+0.1627
2058	$31.29M	12.3%	$23,825	$7.15M	0.1371	0.3098	+0.1727
2059	$35.14M	12.1%	$25,016	$7.50M	0.1282	0.3099	+0.1818
2060	$39.38M	11.8%	$26,267	$7.88M	0.1201	0.3101	+0.1900
2061	$44.02M	11.6%	$27,580	$8.27M	0.1128	0.3102	+0.1974
2062	$49.11M	11.3%	$28,959	$8.69M	0.1061	0.3103	+0.2041
2063	$54.68M	11.1%	$30,407	$9.12M	0.1001	0.3104	+0.2103
2064	$60.77M	10.9%	$31,927	$9.58M	0.0946	0.3104	+0.2159
2065	$67.40M	10.7%	$33,524	$10.06M	0.0895	0.3105	+0.2210
2066	$74.62M	10.5%	$35,200	$10.56M	0.0849	0.3106	+0.2257
2067	$82.46M	10.4%	$36,960	$11.09M	0.0807	0.3107	+0.2300
2068	$91.00M	10.1%	$38,808	$11.64M	0.0768	0.3107	+0.2339
2069	$100.23M	10.0%	$40,748	$12.22M	0.0732	0.3108	+0.2376
2070	$110.23M	9.8%	$42,786	$12.84M	0.0699	0.3108	+0.2409
2071	$121.03M	9.7%	$44,925	$13.48M	0.0668	0.3108	+0.2440
2072	$132.73M	9.5%	$47,171	$14.15M	0.0640	0.3109	+0.2469
2073	$145.32M	9.3%	$49,530	$14.86M	0.0614	0.3109	+0.2496
2074	$158.87M	9.2%	$52,006	$15.60M	0.0589	0.3109	+0.2520
2075	$173.46M	9.1%	$54,607	$16.38M	0.0567	0.3110	+0.2543
2076	$189.18M	8.9%	$57,337	$17.20M	0.0546	0.3110	+0.2564
2077	$206.02M	8.8%	$60,204	$18.06M	0.0526	0.3110	+0.2584
2078	$224.07M	8.6%	$63,214	$18.96M	0.0508	0.3110	+0.2603
2079	$243.42M	8.5%	$66,375	$19.91M	0.0491	0.3111	+0.2620
2080	$264.19M	8.4%	$69,693	$20.91M	0.0475	0.3111	+0.2636
2081	$286.34M	8.3%	$73,178	$21.95M	0.0460	0.3111	+0.2651
2082	$310.01M	8.1%	$76,837	$23.05M	0.0446	0.3111	+0.2665
2083	$335.27M	8.1%	$80,679	$24.20M	0.0433	0.3111	+0.2678
2084	$362.29M	7.9%	$84,713	$25.41M	0.0421	0.3111	+0.2691
2085	$391.00M	7.8%	$88,949	$26.68M	0.0409	0.3112	+0.2702

Not financial advice. We assume Bitcoin keeps growing at the rate you set and inflation keeps chipping at the dollar. Neither is a guarantee. The 25× rule comes from the FIRE community. Conservative for a non-Bitcoin portfolio, possibly generous for a Bitcoin one. Move the sliders. See what changes.

Bitcoin Straight Up

bitcoinstraightup.com/calculator

Generated 23 July 2026

Your Bitcoin Freedom Plan

You hit financial freedom in

2049

That's the first year your Bitcoin balance covers your retirement number at 25× annual expenses. You hold 0.3073 BTC and you only need 0.2830 BTC — a surplus of 0.0243 BTC.

How we got there

Current Bitcoin price	$75,000
Monthly expenses	$5,000
Cost-of-living inflation	5% annually
Bitcoin growth model	Power Law (decaying returns)
Starting Bitcoin stack	0.1 BTC
Dollars stacked each year	$5,000
Retirement multiplier	25× annual expenses (FIRE rule)

Year by year

Year	BTC price	Monthly $	$ to retire	BTC to retire	Your BTC	+/-
2026	$75K	$5,000	$1.50M	12.00	0.1000	-11.9000
2027	$104K	$5,250	$1.57M	9.128	0.1483	-8.9799
2028	$141K	$5,513	$1.65M	7.057	0.1839	-6.8729
2029	$188K	$5,788	$1.74M	5.544	0.2105	-5.3336
2030	$248K	$6,078	$1.82M	4.416	0.2306	-4.1856
2031	$322K	$6,381	$1.91M	3.562	0.2462	-3.3162
2032	$415K	$6,700	$2.01M	2.905	0.2582	-2.6465
2033	$529K	$7,036	$2.11M	2.395	0.2677	-2.1276
2034	$667K	$7,387	$2.22M	1.994	0.2752	-1.7191
2035	$833K	$7,757	$2.33M	1.675	0.2812	-1.3941
2036	$1.03M	$8,144	$2.44M	1.418	0.2860	-1.1322
2037	$1.27M	$8,552	$2.57M	1.211	0.2899	-0.9206
2038	$1.55M	$8,979	$2.69M	1.041	0.2931	-0.7476
2039	$1.88M	$9,428	$2.83M	0.9007	0.2958	-0.6049
2040	$2.27M	$9,900	$2.97M	0.7839	0.2980	-0.4860
2041	$2.72M	$10,395	$3.12M	0.6867	0.2998	-0.3869
2042	$3.25M	$10,914	$3.27M	0.6049	0.3014	-0.3035
2043	$3.85M	$11,460	$3.44M	0.5355	0.3027	-0.2328
2044	$4.55M	$12,033	$3.61M	0.4762	0.3038	-0.1725
2045	$5.34M	$12,635	$3.79M	0.4256	0.3047	-0.1209
2046	$6.25M	$13,266	$3.98M	0.3821	0.3055	-0.0766
2047	$7.28M	$13,930	$4.18M	0.3444	0.3062	-0.0382
2048	$8.45M	$14,626	$4.39M	0.3116	0.3068	-0.0048
2049 ★	$9.77M	$15,358	$4.61M	0.2830	0.3073	+0.0243
2050	$11.25M	$16,125	$4.84M	0.2580	0.3077	+0.0498
2051	$12.92M	$16,932	$5.08M	0.2359	0.3081	+0.0722
2052	$14.79M	$17,778	$5.33M	0.2164	0.3085	+0.0921
2053	$16.87M	$18,667	$5.60M	0.1992	0.3088	+0.1096
2054	$19.19M	$19,601	$5.88M	0.1838	0.3090	+0.1252
2055	$21.77M	$20,581	$6.17M	0.1702	0.3092	+0.1391
2056	$24.63M	$21,610	$6.48M	0.1579	0.3095	+0.1516
2057	$27.80M	$22,690	$6.81M	0.1469	0.3096	+0.1627
2058	$31.29M	$23,825	$7.15M	0.1371	0.3098	+0.1727
2059	$35.14M	$25,016	$7.50M	0.1282	0.3099	+0.1818
2060	$39.38M	$26,267	$7.88M	0.1201	0.3101	+0.1900
2061	$44.02M	$27,580	$8.27M	0.1128	0.3102	+0.1974
2062	$49.11M	$28,959	$8.69M	0.1061	0.3103	+0.2041
2063	$54.68M	$30,407	$9.12M	0.1001	0.3104	+0.2103
2064	$60.77M	$31,927	$9.58M	0.0946	0.3104	+0.2159
2065	$67.40M	$33,524	$10.06M	0.0895	0.3105	+0.2210
2066	$74.62M	$35,200	$10.56M	0.0849	0.3106	+0.2257
2067	$82.46M	$36,960	$11.09M	0.0807	0.3107	+0.2300
2068	$91.00M	$38,808	$11.64M	0.0768	0.3107	+0.2339
2069	$100.23M	$40,748	$12.22M	0.0732	0.3108	+0.2376
2070	$110.23M	$42,786	$12.84M	0.0699	0.3108	+0.2409
2071	$121.03M	$44,925	$13.48M	0.0668	0.3108	+0.2440
2072	$132.73M	$47,171	$14.15M	0.0640	0.3109	+0.2469
2073	$145.32M	$49,530	$14.86M	0.0614	0.3109	+0.2496
2074	$158.87M	$52,006	$15.60M	0.0589	0.3109	+0.2520
2075	$173.46M	$54,607	$16.38M	0.0567	0.3110	+0.2543
2076	$189.18M	$57,337	$17.20M	0.0546	0.3110	+0.2564
2077	$206.02M	$60,204	$18.06M	0.0526	0.3110	+0.2584
2078	$224.07M	$63,214	$18.96M	0.0508	0.3110	+0.2603
2079	$243.42M	$66,375	$19.91M	0.0491	0.3111	+0.2620
2080	$264.19M	$69,693	$20.91M	0.0475	0.3111	+0.2636
2081	$286.34M	$73,178	$21.95M	0.0460	0.3111	+0.2651
2082	$310.01M	$76,837	$23.05M	0.0446	0.3111	+0.2665
2083	$335.27M	$80,679	$24.20M	0.0433	0.3111	+0.2678
2084	$362.29M	$84,713	$25.41M	0.0421	0.3111	+0.2691
2085	$391.00M	$88,949	$26.68M	0.0409	0.3112	+0.2702

What to do with this number

Secure what you already hold. If your Bitcoin is on an exchange or in a single hot wallet, your freedom year means nothing. Get the Bitcoin Security Template at bsu.kit.com/security — multisig setup with no single point of failure.
Keep stacking on the schedule above. Your DCA number is what bridges your current stack to your freedom number. Skip a year and the freedom year slides right.
Don't sell on dips. The Power Law is a long-horizon model. Inside any given year Bitcoin can drop 50% and the long-term trajectory stays intact. Selling locks in the loss and resets the clock.
Re-run this every year. Your expenses change. Bitcoin's growth rate changes. Your stack grows. Come back to bitcoinstraightup.com/calculator and update the numbers.

Not financial advice. The 25× rule comes from the FIRE community. Conservative for a non-Bitcoin portfolio, possibly generous for a Bitcoin one. Numbers assume Bitcoin keeps growing at the model rate and inflation keeps chipping at the dollar. Neither is a guarantee. Mike Beatty · Bitcoin Straight Up · bitcoinstraightup.com