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Crypto Retirement Calculator

Plan your financial future by projecting crypto portfolio growth with monthly contributions and compound returns. See how consistent investing can build long-term wealth and generate passive income.

How to Use This Calculator

• Current Portfolio: The total value of your crypto holdings right now. Start from zero if you’re just beginning.
• Monthly Contribution: How much you plan to add each month through dollar-cost averaging (DCA).
• Expected Annual Return: Your estimated yearly return. Crypto can deliver high returns but is volatile — use a conservative estimate (15-30%) for long-term planning.
• Target Amount: Your financial goal. The calculator will tell you how many years it takes to reach this number.
• Investment Horizon: The number of years you plan to invest and grow your portfolio.

About the 4% Rule

The 4% rule is a widely-used guideline for retirement planning. It states that you can withdraw 4% of your portfolio annually (adjusted for inflation) with a high probability of not running out of money over a 30-year retirement. The monthly income shown in this calculator is based on this principle.

Important: Crypto markets are significantly more volatile than traditional markets. Consider using a more conservative withdrawal rate (2-3%) for crypto-heavy portfolios, or diversifying into more stable assets as you approach your target.

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