Considering switching to a Bitcoin Standard?
Find out what your net worth would be if you converted all of your income into Bitcoin.
Find out what your net worth would be if you converted all of your income into Bitcoin.
The margin between deep debt and a fortune can be a few points of saving rate. See where it is for your income, how much the switch date matters, and what it would take to reach a goal.
Switching on Jan 1, 2021: net worth ($) today (Oct 9, 2026). The white line is the tipping point: the lowest saving rate that never goes into debt.
Flat take-home income (growing by your 3% raise in projected years), spending = take-home × (1 − saving rate), monthly; your starting capital, buffer and BTC as set. Q1–Q5: households by income (BLS CE), at their latest take-home and average saving rate. Lot method: FIFO here (Best runs every simulation twice); tick “Use Best” for the exact numbers.
Finding your tipping point…
| Take-home / yr | Tipping point | Max spending / mo | 1 pt below | 1 pt above | $ per point |
|---|---|---|---|---|---|
| $20K | … | – | – | – | – |
| $25K | … | – | – | – | – |
| $30K | … | – | – | – | – |
| $35K | … | – | – | – | – |
| $40K | … | – | – | – | – |
| $50K | … | – | – | – | – |
| $60K | … | – | – | – | – |
| $70K | … | – | – | – | – |
| $80K≈ you | … | – | – | – | – |
| $100K | … | – | – | – | – |
| $125K | … | – | – | – | – |
| $150K | … | – | – | – | – |
| $175K | … | – | – | – | – |
| $200K | … | – | – | – | – |
| $250K | … | – | – | – | – |
| $300K | … | – | – | – | – |
Tipping point: the lowest saving rate (to 0.1 point) at which BTC never runs out from the switch to today (Oct 9, 2026) (searched from −200% to 100%). Max spending is the first year's. 1 pt below / above: net worth after tax at the tipping point ∓ 1 percentage point. * saving more didn't always help.
Solving…
| Price path | BTC on Dec 31, 2030 | Take-home needed (saving 10%) | vs your $75K | Saving rate needed at your income |
|---|---|---|---|---|
| Conservative10%/yr | … | … | – | … |
| Base25%/yr | … | … | – | … |
| Optimistic40%/yr | … | … | – | … |
| 4-year cycle20%/yr | … | … | – | … |
Solved by bisection on the full simulation (incomes from $0 to $5M, saving rates from −100% to 100%), with the same taxes, lot method, capital and buffer. A goal in BTC gets cheaper when BTC grows slower: each paycheck buys more coins. Plain scenarios ignore your lab's stress tests and typed prices (see “Your lab path” when you have them). Heads-up: the answer is the lowest value that reaches the goal; when more income doesn't always help (marked *), higher values may fall short again.
The same person ($75,000/yr, spending $3,500/mo) switching at different times; net worth ($) today (Oct 9, 2026). Peaks and bottoms are the highest and lowest daily closes of that year. Click one to use its date.
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