Treasury21Support on X
← Treasury21SEPP PlannerFlight PlanDashboardCompare Plans

Portfolio Wealth Dashboard

BTC · MSTR · MSTY · STRC · Treasuries — projections to 2045

What this tells you

The question it answers: what could my BTC, MSTR, MSTY, STRC and Treasury holdings be worth by year, and can they pay the income I want when I retire?

You enter

  • What you hold and today's prices
  • Your age and the year you want to retire
  • Which account each holding sits in: taxable, Traditional IRA or Roth
  • The yearly income you want

You get

  • Projected value every year to 2045 in Bear, Base and Bull cases
  • Your income by source, and where reinvested income goes
  • An estimated tax bill in your retirement year
  • What to sell each year, and from which account, to fund your income
  • How your plan compares with others, if you choose to share it

Keep in mind

  • Projections follow the Bitcoin power-law model and your assumptions. They are not predictions.
  • Prices and holdings start as examples. Replace them with yours.
  • An illustration to discuss with a CPA or planner, not advice.
Today's snapshot
Reality check — actual vs. predictions
Current prices
Heads up: BTC, MSTR, MSTY still show this file's placeholder price — double-check against a real quote before trusting the numbers below.
At $107K, BTC implies a 0.65× power-law multiplier for 2026 — 31% of the way from Base (0.5×) to Bull (1×).
Scenario (2026) Predicted BTC price Predicted portfolio total Your actual vs. prediction
You (actual)$107K$3.98M—
Bear (0.25×) $40.9K $1.41M +$2.57M (+183%)
Base (0.5×) selected $81.7K $2.72M +$1.25M (+46%)
Bull (1×) $163.5K $5.36M −$1.38M (−26%)
How does your plan compare? Optionally share your plan anonymously (ranges only, no name or IP) and see how real plans stack up, including whether they hold up in the Bear case.
See comparison →
Year BTC price BTC CAGR MSTR/sh MSTR value BTC value BTC bought/yr Total BTC held MSTR sh bought/yr Total MSTR sh held MSTY div/mo (total) STRC inc/yr Bond inc/yr Cash alloc/yr Cash balance Total portfolio
Total portfolio value 2026–2045
Bull Base Bear
Annual income streams (selected scenario)
MSTY dividends STRC income Bond income Cash interest
Portfolio value by account type (selected scenario)
Taxable Traditional IRA Roth IRA
2028 retirement-year income target year
2035 mid-term income
2045 long-term income
Withdrawal & tax assumptions
Retirement year and your age are set on the Inputs tab (About you).
Which account types do you hold? Set the Account types on the Inputs tab (Taxable / Traditional IRA / Roth). Defaults are examples. Each account type is taxed differently below.
${ry} tax estimate retirement year · age ${ryAge}
Taxable-account income (MSTY/STRC/bond/cash)$36.9K/yr
Federal income tax (est.)−$4K
State income tax (5%)−$3.7K
Net spendable (no principal touched)$29.3K/yr
Your target withdrawal$250K/yr
Gap to fund from assets−$220.7K
Funding the $220.7K gap by account, ${ry}
From taxable brokerage (27% of portfolio)$58.9K
— LTCG tax (15%, approx.)−$8.8K
From Traditional IRA (73% of portfolio)$161.8K
— ordinary income tax (marginal, stacked on taxable income)−$29.9K
From Roth IRA (0% of portfolio)$0
— tax on Roth$0 (qualified)
State tax on taxable + IRA portions−$21.8K
Net from asset sales$160.2K
Assumes withdrawals are drawn proportionally to where your portfolio value sits — adjust the account mix above to model drawing from Roth or taxable first, which changes this tax bill. LTCG is applied to the full sale amount as a conservative approximation (ignores cost basis).
Portfolio value by account type
2028
Taxable
$1.35M
Traditional IRA
$3.7M
Roth IRA
$0
Total: $5.04M
2035
Taxable
$8.28M
Traditional IRA
$20.32M
Roth IRA
$0
Total: $28.6M
2045
Taxable
$119.21M
Traditional IRA
$123.19M
Roth IRA
$0
Total: $242.4M
Source strategy by year
Year Target withdrawal Taxable-acct income SEPP from IRA Gap (sell assets?) Fed tax est. State tax est. Net after tax
2026 $250K $19.6K −$234.3K $2K $1.9K $15.7K
2028 $250K $36.9K −$220.7K $4K $3.7K $29.3K
2030 $250K $68.5K −$196.1K $7.8K $6.8K $53.9K
2032 $250K $127.5K −$153.3K $18.2K $12.6K $96.7K
2034 $250K $242.2K −$76K $44.2K $24K $174K
2035 $250K $338.1K −$12.6K $67.2K $33.5K $237.4K
2036 $250K $478K ✓ covered $108.3K $47.3K $322.3K
2038 $250K $1M ✓ covered $297.6K $99.4K $607K
2040 $250K $2.32M ✓ covered $785.6K $230K $1.31M
2042 $250K $6.2M ✓ covered $2.22M $614.2K $3.37M
2044 $250K $20.48M ✓ covered $7.5M $2.03M $10.95M
2045 $250K $41.25M ✓ covered $15.19M $4.08M $21.98M
About you
Drives the income, tax and "what to sell" sections on the Income detail and Withdrawal & tax tabs, plus your age in those headings. The 10% early-withdrawal penalty applies only if you are under 59½ in your retirement year and SEPP is off.
Account types: where each holding lives
For each asset, enter what % sits in a Taxable brokerage, a Traditional IRA (withdrawals taxed as ordinary income), or a Roth IRA (withdrawals tax-free). Each row should total 100%; edit one box and the others adjust. This drives the tax estimate and the Snapshot's "Taxable · IRA · Roth" line.
BTC
100%
MSTR
100%
Income stack (MSTY + STRC + bonds + cash)
100%
100%0%
0%100%
100%0%
Your holdings
Market prices today
MSTY dividend allocation
Drag a slider or type an exact number — the one you touch always gets the value you asked for, and the remaining budget is spread across the unlocked rows. Click 🔓 to lock a row you don't want moved.
Total allocated: 100%
BTC Power Law model
Based on Santostasi's BTC Power Law (price = 10^(a × log10(days since genesis) + b)). The model's median is aggressive — multipliers scale relative to it. Default: Bear=0.25×, Base=0.5×, Bull=1.0× of median.
Power law slope (a)
Power law intercept (b)
BearBaseBull
Price multiplier
Bear: 2028: $76.9K(36%)   2030: $136.1K(32%)   2035: $461.5K(25%)   2040: $1.27M(21%)   2045: $3M(18%)
Base: 2028: $153.9K(36%)   2030: $272.1K(32%)   2035: $923.1K(25%)   2040: $2.53M(21%)   2045: $5.99M(18%)
Bull: 2028: $307.8K(36%)   2030: $544.3K(32%)   2035: $1.85M(25%)   2040: $5.07M(21%)   2045: $11.99M(18%)
MSTY payout-yield change/yr (%)
MSTY upside capture (% of MSTR gains)
MSTY price erosion/yr (%)
MSTY is a covered-call fund on MSTR: it keeps only part of MSTR's gains, takes the full losses, pays out a share of its price each year, and its price erodes over time. These defaults are deliberately conservative.
mNAV start → end
Portfolio projections are speculative and for planning purposes only. Not financial advice.