Sats Retirement Calculator
Bitcoin returned ~79% annually over 10 years. With 30% per year, by 2045 1 satoshi could be worth 1 BRL. Today, 1 real still buys ~... sats — unique opportunity!
Discover When You Can Stop Working by Saving in Satoshi
The Satoshi Retirement Calculator is a simple and powerful tool created to help you visualize how small monthly Bitcoin savings can grow over the years.
By informing how much you save per month (in Reais, Dollars, or Euros), setting a recurring increase in contributions, and defining the desired retirement date, the system projects how much BTC you will have accumulated.
For example: Someone who starts saving at 25, maintaining regular contributions and assuming moderate Bitcoin growth, can potentially reach financial freedom near 45.
1. What is a Satoshi?
A satoshi is the smallest unit of Bitcoin: 1 BTC = 100,000,000 sats. This makes it possible for anyone to start saving in Bitcoin, even with little money.
This makes it possible for anyone to start saving in Bitcoin, even with little money.
2. Why save in Bitcoin?
- Relevant long-term growth
- Limited supply and immutable monetary policy
- Protection against inflation and local currency devaluation
- Growing adoption by companies, institutions, and governments
- Global access, without state or banking control
Bitcoin is seen by many as a superior store of value, especially for retirement planning.
3. Bitcoin Retirement Planning
While traditional calculators project fixed income, stocks, and compound interest in fiat currency, the Satoshi Retirement Calculator considers monthly satoshi accumulation, growing contributions, and future wealth conversion.
Ideal for those who believe Bitcoin can be the foundation of their financial freedom.
7. Why Bitcoin growth rate matters
The chosen rate defines the projection scenario.
- 10% p.a. → conservative
- 15–20% p.a. → moderate, historically reasonable
- 25–30% p.a. → optimistic
- 40%+ p.a. → highly speculative
9. SECURITY BEST PRACTICES — SELF-CUSTODY AND DIFFERENT ANNUAL ADDRESSES
Security in Bitcoin storage is fundamental, especially for retirement or long-term accumulation. Therefore, it is highly recommended:
→ Keep accumulated sats in self-custody
This means not leaving Bitcoin on exchanges, using a cold wallet, and controlling your own private keys.
“Not your keys, not your coins.”
→ Use a different Bitcoin address for each year of savings
This is an advanced practice, but extremely important for PRIVACY AND FINANCIAL SECURITY.
🛡️ Why use one address per year?
Because this way each year of savings is isolated in a different address.
- When you spend sats from a specific year, only that balance is publicly exposed.
- The rest of your wealth remains invisible and protected.
- Helps maintain good privacy hygiene on the blockchain.
- Reduces the risk of attacks based on advanced public key analysis in the future.
🎯 Result: You divide your retirement into annual BTC "boxes", where each box has its own address in your cold wallet.