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Author Topic: How Long Should You Hold Bitcoin for a Passive Income  (Read 25 times)
Isay (OP)
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September 07, 2025, 04:18:34 PM
 #1

Topic Description:
This topic is dedicated to calculations and discussions on the strategy of holding Bitcoin to ensure long-term passive income.

Goal:
To calculate the amount of Bitcoin required so that, over time, one can start selling portions of it and receive a stable income of at least $100,000 per year for a minimum of 30 years.

Within this discussion, it is suggested to consider:

The current Bitcoin price and its projected changes.

The amount of Bitcoin needed to generate a passive income of at least $100,000 per year.

The timeframe after which it is feasible to begin selling in order to ensure income for 30 years or more.

The optimal gradual selling strategy to reduce risks and tax liabilities.

The impact of inflation and cryptocurrency market fluctuations on the holding and selling strategy.

All calculations will be based on current market data, historical trends, and realistic Bitcoin growth scenarios.

Below is a table showing, if we start with 1 Bitcoin, from which year we could begin selling parts of Bitcoin to receive $100,000 per year for 30 years:

Bitcoin Sales Dynamics and Remaining Balance (30 Years of Income)

Year      Price (USD)      Sale (BTC)      Remaining BTC
2036      960,000          0.1042          0.8958
2037      1,120,000        0.0893          0.8065
2038      1,280,000        0.0781          0.7284
2039      1,440,000        0.0694          0.6590
2040      1,920,000        0.0521          0.6069
2041      2,240,000        0.0446          0.5623
2042      2,560,000        0.0391          0.5232
2043      2,880,000        0.0347          0.4885
2044      3,840,000        0.0260          0.4625
2045      4,480,000        0.0223          0.4402
2046      5,120,000        0.0195          0.4207
2047      5,760,000        0.0174          0.4033
2048      7,680,000        0.0130          0.3903
2049      8,960,000        0.0112          0.3791
2050      10,240,000       0.0098          0.3693
2051      11,520,000       0.0087          0.3606
2052      15,360,000       0.0065          0.3541
2053      17,280,000       0.0058          0.3483
2054      19,200,000       0.0052          0.3431
2055      21,120,000       0.0047          0.3384
2056      30,720,000       0.0033          0.3351
2057      33,280,000       0.0030          0.3321
2058      35,840,000       0.0028          0.3293
2059      38,400,000       0.0026          0.3267
2060      61,440,000       0.0016          0.3251
2061      66,560,000       0.0015          0.3236
2062      71,680,000       0.0014          0.3222
2063      76,800,000       0.0013          0.3209
2064      122,880,000      0.0008          0.3201
2065      133,120,000      0.0008          0.3193
The sales are distributed in such a way that the remaining Bitcoin continues to appreciate in value, while each year’s income is ≥ $100,000, and 1 BTC is sufficient for ≥30 years of income.

If we take 0.1 BTC as an example, we would only be able to start selling Bitcoin to earn $100,000 per year starting in 2056.

Using these figures, we can roughly estimate the potential passive income for different amounts of Bitcoin and how many years we would need to wait before starting to receive a stable income.
Isay (OP)
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September 07, 2025, 04:28:54 PM
 #2

It’s worth noting that this isn’t the easiest calculation, and getting an exact number is quite challenging. Bitcoin will remain in your portfolio over time. If we begin selling from 2036 at $100,000 per year, in roughly 10 years we could safely increase annual withdrawals to $200,000. Approximately every decade after that, it should be possible to gradually raise the amount of Bitcoin we spend in dollar terms, keeping a stable and growing passive income.
igor72
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September 07, 2025, 05:13:04 PM
 #3

Думаю, вам следовало опубликовать это в англоязычном разделе, там и людей побольше. А здесь уже есть рядом топик как раз об этом.

По теме - существуют калькуляторы для подобных расчетов:
https://bitcoincompounding.com/
https://calc.bitcoineracademy.com/
https://www.dontbuybitcoin.com/bitcoin-FIRE-calculator/
и другие. Только стоит ли строить какие-то серьезные планы на основе таких ненадежных допущений? Так, поиграться и помечтать можно ).
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