₿ BITCOIN RETIREMENT SIMULATOR

30-year cycle-aware drawdown strategy // hybrid borrow-sell framework

Parameters

Stack
BTC Amount2 BTC
Entry Price$85k
Withdrawals
Annual Need$27.5k
Cash Buffer2 yrs
Loan Settings
Max LTV25%
Loan Rate11.0%
Strategy
30-yr Outcome
✗ YR 6
Strategy failed
Final Net Worth
$0
0.137 BTC remaining
Total Withdrawn
$165k
$27.5k/yr × 30 yrs
Interest Cost
$540k
1.863 BTC sold total
⚠ Strategy depleted at Year 6. Try reducing withdrawal, increasing BTC, or lowering LTV ceiling.
ATH / Late Bull
Early Bear
Deep Bear / Bottom
Recovery
Mid-to-Late Bull

Action Timeline — Year by Year

1
BORR
$85k
2
MIX
$55k
3
SELL
$36k
4
SELL
$64k
5
SELL
$119k
6
FAIL
$179k
7
FAIL
$115k
8
FAIL
$81k
9
FAIL
$128k
10
FAIL
$221k
11
FAIL
$357k
12
FAIL
$230k
13
FAIL
$170k
14
FAIL
$272k
15
FAIL
$468k
16
FAIL
$680k
17
FAIL
$442k
18
FAIL
$323k
19
FAIL
$510k
20
FAIL
$893k
21
FAIL
$1360k
22
FAIL
$893k
23
FAIL
$638k
24
FAIL
$1020k
25
FAIL
$1700k
26
FAIL
$2550k
27
FAIL
$1700k
28
FAIL
$1190k
29
FAIL
$1870k
30
FAIL
$3060k