How much crypto should a pre-retiree actually hold? Enter your age and risk tolerance for an expert-sourced recommendation — with citations from Fidelity Digital Assets, U.S. News, and certified financial planners. The answer might surprise you. Free, no signup required.
DIY Retiree · Retirement Planning
How Much Crypto Should You Have in Your Retirement Portfolio?
Enter your age and risk tolerance. We'll calculate your recommended crypto allocation — sourced from Fidelity, U.S. News, and certified financial planners.
Your Inputs
Your Age
Risk Tolerance
Portfolio Size
Recommended Crypto Allocation
Crypto Allocation
—
of your portfolio
Dollar Amount
—
at current portfolio size
Loading your recommendation...
Sources: Fidelity Digital Assets institutional white paper (2026) — recommends 0–5% for long-term investors, noting a 2% Bitcoin allocation improves retirement spending capacity by 1–4% with minimal added risk. U.S. News & World Report — advisors typically recommend 1–5% for retirement portfolios. EarnifyHub retirement guide (2026) — Conservative: 1–3%, Moderate: 3–5%, Aggressive: 5–10%, reduced by 1% per 5 years over age 50. 24/7 Wall St. (April 2026) — sequence of returns risk makes volatile assets particularly dangerous for retirees. This calculator applies a conservative age-based reduction to consensus advisor recommendations specifically for pre-retirees and retirees. It is not financial advice. For a full retirement probability analysis, use the Retirement Probability Calculator.
diyretiree.com — free retirement planning tools for DIY investors