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Most people worldwide could retire with less than 1 BTC by 2035.
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By 2045, some countries may need as little as 0.01 BTC to retire.
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A new study shows Bitcoin’s long-term value could reshape retirement planning.
A new Bitcoin retirement model is grabbing attention on Twitter and one thing is surprisingly clear: you might need far less BTC to retire than most people think.
Posted by X user Sminston With, the analysis looks at how much Bitcoin someone would need to retire depending on their country, current age, and target retirement year, using real economic data, inflation trends, and a conservative BTC price model.
We know you’re curious. Let’s dive in.
A Different Way to Look at Retirement
The charts cover 96 countries and ages 5 to 75, with retirement years ranging from 2025 to 2055. Instead of using fiat currency, the model assumes you’ll retire using only Bitcoin, and spend it steadily until age 100.
It also factors in 7% annual fiat inflation and uses a power-law support line to estimate Bitcoin’s long-term value. That’s a technical way of saying the BTC price used here is realistic and not based on hype.
If You’re Retiring in 2025, You’ll Need More BTC
The sooner you retire, the more Bitcoin you’ll need. For those planning to retire this year, the study suggests most people in developed countries will need between 1 and 10 BTC. Countries like the U.S., Switzerland, and Luxembourg top the list for highest retirement cost in BTC terms.
But that picture changes quickly as you shift the timeline forward.
2025 Retirement: pic.twitter.com/IzIerH3KLI
— Sminston With (@sminston_with) July 23, 2025
The Longer You Wait, the Less BTC You’ll Need
By 2035, most countries need less than 1 BTC for retirement. In many lower-cost nations, the number drops below 0.5 BTC.
And by 2045 or 2055, the required amount falls even further. Here are some examples from the report for 2045 retirees:
- El Salvador: 0.023 to 0.13 BTC
- Portugal: 0.07 to 0.39 BTC
- Switzerland: 0.26 to 1.5 BTC
That means even a small BTC holding today, under one coin, could go a long way in the future, especially if Bitcoin keeps gaining value and adoption.
Your Path to Freedom Through Crypto
This analysis isn’t financial advice but it offers a practical way to think about Bitcoin.
If Bitcoin continues on its current path, one coin may actually be enough.
For anyone stacking or planning long-term, this is a reminder: Bitcoin’s real power may not be in its price today, but in what it could afford you tomorrow.