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Bitcoin Escape Velocity

A retirement portfolio is supposed to draw down. Under bitcoin’s historical growth curve there is a line past which yours runs up instead — and the surprise is how little it takes to cross it.

How small changes in a bitcoin retirement plan compound into surprisingly large outcomes. Three numbers — when you retire, what you retire with, what you draw — and the year-by-year consequence, live.

Your plan
Your three numbers

Set the plan

The three variables below define how confidently you can retire — maintaining your lifestyle while minimising the risk of running out. The question isn’t only whether your scenario reaches escape velocity: play with the variables. What happens if you retire a year later — or earlier? Can you afford a higher income than you planned?

Your bitcoin stack will decrease over time as you draw on it; the open question is what its purchasing power does. Depending on your three variables, it may rise — and may reach escape velocity. Nothing here is a recommendation; the defaults are a starting position, not a target.

Retire in ?The year retirement begins — withdrawals start this year. Before it, the stack is untouched and simply rides the growth model; from it on, bitcoin is sold each year to cover that year’s income.
2026–2055
Stack at retirement ?The bitcoin you expect to have accumulated when withdrawals begin. For the sake of simplicity, this page models no contributions between now and then — set this to the stack you expect to arrive at retirement with.
Step
Annual withdrawal ?What you draw from the stack each year, in today’s dollars. Pretax. By default this rises with inflation each year to keep its purchasing power constant — change that under “Assumptions — change” lower on the page.
Step

Click a number to type it directly. Hold an arrow to repeat. Arrow keys work once a stepper has focus. Reset to defaults

The verdict
Does your planned retirement reach escape velocity?

Stack at retirement ?The projected value of your stack the moment withdrawals begin, before the first one is taken. Follows the price basis and the dollar basis you have selected.

Under: reverts to trend.

Value at horizon () ?The horizon is your retirement year plus your years-in-retirement setting — both adjustable, the second under “Assumptions — change” below the year-by-year strip. This is what is left at that year. There is no age input on this page, so the horizon is stated as a year rather than an age.

In today’s dollars.

Depleting?Your stack runs out before retirement ends. You’d need to extend the horizon, lower the annual withdrawal, or raise the stack to reach sustainability. Assumes the projected Power Law trend price of bitcoin over time. Threshold?Break-even — the stack lasts exactly through retirement, neither growing nor depleting in real terms. Assumes the projected Power Law trend price of bitcoin over time. Escape velocity?Your stack grows faster than you draw it down. Purchasing power increases over retirement instead of being consumed; the stack lasts indefinitely. Assumes the projected Power Law trend price of bitcoin over time.
?In today’s dollars (inflation-adjusted). The multiplier compares your stack value at the END of retirement to its value at the START, after stripping out inflation. Above 1× means you finish wealthier than you started.

Retiring later means starting with a larger stack, but bitcoin’s implied CAGR under the Power Law decays with time — a later window runs at a lower growth rate. This marker measures pace (how fast the stack outruns spending), not size, so it can sit closer to the threshold even as your projected dollars rise.

Trend growth is a multi-year average, not an annual delivery schedule. The Power Law says nothing about the order in which returns arrive, and the order is what breaks retirement plans — see the Retirement Stress Test.

How little it takes

The Threshold

The intent here is to find where the threshold sits between depletion and escape velocity — because even small changes in one variable can shift the whole picture. A strong plan (retiring later, a large stack, a modest income) may have no threshold left to cross; a more tentative plan can be probed to see if and where it breaks.

Move one of the three numbers and watch the other two thresholds move with it — each shows how much that constraint has to expand or compress to reach the same result. Try setting all three at your intended plan, then move just one to see the stress or relief it puts on the other two.

Retire in
Stack ?Log-scaled. A linear 0.01–100 BTC track would crush the region below 3 BTC, where most plans and most thresholds actually sit, into a few pixels at the far left.
Withdrawal

Sliders snap to the step size set on each stepper above. Click any value to type it exactly. Everything on the page moves together — there is nothing to apply.

Where your thresholds sit ?The crossing value on each variable, holding the other two where your plan has them. Computed against the same projection engine and the same price basis as the verdict above — the same solver that places the ticks on the sliders, so a tick and its own sentence can never disagree. Where a threshold falls outside this page’s range, it says so, and names which other variable would bring one back into range.

One step in any direction — what a single click of each stepper does from here.

Your plan
Retire in
Stack
Withdraws
Year by year

Growing versus spending

One bar per retirement year: how much the stack gained or lost that year after the withdrawal. Green is a year the stack outgrew its spending; the negative colour is a year it did not.

The other side of this

Escape velocity is a property of the model’s growth assumption, not of bitcoin. Everything above assumes returns arrive in trend order — smoothly, on schedule, every year. They do not. A crash early in retirement forces the sale of far more bitcoin to cover the same bill than the trend-relative arithmetic here implies, and that stack does not come back when price does. The Retirement Stress Test is where this plan gets hurt on purpose; run it before you believe a green bar.

The same caution runs the other way. If bitcoin trades below its long-term trend today, a plan built on the gap-persists basis is planning for a discount that has historically closed. Neither basis is the safe one in every regime, which is why the page reports both.

Common questions

What is bitcoin escape velocity?

It is the point where a stack's growth outpaces the money drawn out of it, so the portfolio stops running down and starts running up. This page checks that condition every year from retirement to the end of the modeled horizon: escape velocity is reached only if growth stays ahead for every remaining year, not just the first one.

Is this a guarantee that a bitcoin retirement works?

No. Every figure here is a projection under the Power Law growth model, which is a description of bitcoin's historical trend, not a promise about its future (see Bitcoin and the Power Law). The model's trend growth rate declines with time, and real markets do not deliver an average every year. Change the price basis or the inflation assumption and the answer can flip — which is the point of letting you change them.

What happens if a crash lands early in retirement?

This page does not model one. A bear market in the first years of withdrawals sells more bitcoin to cover the same bill, and that stack never comes back even if price recovers — sequence-of-returns risk. The companion Retirement Stress Test exists to model exactly that, and it is where this page's answer gets tested.

Why does the page default to today's dollars?

Because nominal figures flatter the result. Part of any nominal escape is the dollar shrinking rather than the stack growing, so a real-dollar test is the harder and more honest one. You can switch to nominal under "Assumptions — change" below the year-by-year strip; the verdict relabels itself and says what the switch costs you in honesty.

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