Ethereum Retirement Planner
Simulate compounding ETH DCA, LTV borrowing power, and asset purchasing power based on conservative growth models.
🏦 Never Sell: 50% LTV Collateral Loan
Instead of selling your Ethereum and paying capital gains tax (or losing potential staking yield), you can borrow against it. If you take a conservative 50% LTV loan against your stack at retirement, here is your tax-free cash capacity:
Frequently Asked Questions
What is the 5% CAGR model?
The tool uses a conservative Compound Annual Growth Rate (CAGR) of 5% for Ethereum's price trajectory starting at an estimated baseline of $2,100 in 2026 to project long-term compounding safely without hype.
Why are my "Years of Savings" going down initially?
Because the tool calculates your annual living expenses adjusting for fiat inflation every year. If inflation outpaces your early accumulation, your purchasing power dips before the compounding takes over.
What is a 50% LTV Loan?
Loan-To-Value. Instead of selling Ethereum, you pledge it as collateral. A 50% LTV means if you have $1,000,000 in ETH, you can safely borrow $500,000 in cash without triggering capital gains taxes.
How is the "House Price" calculated?
We use a baseline house price of $105,540 in 2026, growing at a modest 0.1% hard-asset inflation rate. This helps measure your wealth in real tangible assets rather than just fiat numbers.
What is Fiat Net Worth?
It is the projected USD (or local fiat) value of your accumulated Ethereum stack at your target retirement year.
Is my data saved anywhere?
No. OTechy tools run strictly in your browser via Client-Side JavaScript. Your financial data and projections are completely private.