Here’s How Much Bitcoin You Might Need to Retire Comfortably By 2035

Bitcoin is quickly becoming part of everyday retirement planning, and new research is giving a fresh look at how much BTC someone might actually need to retire comfortably by 2035

The study, shared by TheCryptoBasic, uses global data and factors like inflation and life expectancy to figure out what that number could be.

For years, people like Michael Saylor of MicroStrategy have been saying that Bitcoin could be the perfect retirement asset. Back in 2022, he told CNBC that Bitcoin might even be safer than real estate or stocks

With the U.S. now exploring ways to add Bitcoin to regular 401(k) plans, the idea isn’t just for crypto fans anymore. More and more investors see BTC as a way to protect wealth over the long term instead of just a short-term trade.

Market research has provided data on how much Bitcoin the average investor would need to retire by 2035.Notably, Bitcoin is now becoming a serious part of retirement conversations, especially as the U.S. plans to include it in mainstream 401(k) retirement plans. Some of the…

— TheCryptoBasic (@thecryptobasic) September 24, 2025

What the Study Looked At

Researcher Sminston With built a model that covered 96 countries and nine age groups, ranging from 5 to 75 years old. He assumed 7% annual inflation and projected forward to 2035

To stay realistic, he used a conservative Bitcoin price forecast based on the low end of long-term growth trends and worked out how much BTC someone would need if they planned to spend it directly on living costs until the age of 100.

Key Findings by Region

The results are surprising. In most parts of the world, retiring by 2035 could require less than one Bitcoin. But where you live makes a huge difference. Wealthy countries like Norway, Bermuda, Luxembourg, Qatar, and Ireland can ask for 1 to 5 BTC for most age groups, with the younger ones needing more since they will live longer.

At the other end, countries like South Sudan, Myanmar, Cameroon, Kyrgyzstan, and Cambodia can ask for a minimum of 0.01 to 0.1 BTC, varying with age.

Major economies sit in the middle. In the U.S. and U.K., a person would typically need 0.5 to 1 BTC, but for Canadians they might need up to 0.3 to 1 BTC. For retirement in Turkey or Thailand, it would only take 0.05 to 0.1 BTC.

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Why Age Matters So Much

Age is a key factor in these calculations. A person who is just 5 years old might need around 2.77 BTC for up to 85 years of retirement.

A 35-year-old would need enough for a period of approximately 55 years, whereas a 75-year-old would need only a portion of a coin to keep them going for the next 15 years

Younger people show up on the higher side of the chart even in low-budget countries simply because they have more years ahead to pay for.

Moreover, this research shows how Bitcoin could reshape the way people think about retirement

The real numbers will depend on future prices and the cost of living, but the argument is made: owning even a small portion of a Bitcoin today might cover decades of living expense in most places.

As adoption grows and inflation still dominates the news, Bitcoin is looking more and more not so much a speculative means as a legitimate part of long-term financial planning.

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