Crypto Withdrawal Calculator — How Long Will My Crypto Last?

It depends on the gap between your withdrawal rate and your return after inflation. Withdraw less than the real return and the portfolio lasts indefinitely; withdraw more and it depletes at a rate that accelerates as the balance shrinks.

Traditional portfolios use around 4% a year, based on decades of stock and bond data. Crypto has no comparable history and far larger drawdowns, so most people applying the idea use a lower rate, hold several years of spending in stablecoins or cash, and accept variable withdrawals in bad years.

Because your spending rises even when your portfolio does not. At 3% inflation, $2,000 a month becomes about $3,600 a month after 20 years for the same standard of living. The calculator grows the withdrawal each month so the figure stays comparable in real terms.

The risk that bad years arrive early. Two portfolios with identical average returns can end in very different places depending on the order those returns come in, because withdrawals during a crash sell more coins to raise the same cash. It is the single largest danger in a crypto drawdown plan and is not visible in an average-return model.

Yes, but as part of a single total return figure rather than on top of it — a staking reward paid in the same token is not extra purchasing power if the token falls. Also remember rewards are usually taxed as income when received in most countries.

No. Selling crypto to fund withdrawals is usually a taxable disposal, so the amount you must sell is larger than the amount you spend. As a rough adjustment, raise your monthly withdrawal by your effective capital gains rate on the gain portion of each sale.