Understand your Bitcoin.
Build a plan you can live with.
Try the spending-gap tool below. No login or financial connection needed. Create a free account when you want to save a plan.
Could you pay the bills without selling Bitcoin?
See how long cash could cover your spending gap. Experiment without changing your actual holdings.
See the calculation and its limits
Cash reserve ÷ (monthly spending − reliable income). The second result applies your one-time expense increase while income stays unchanged. Interest, future inflation, tax changes, emergencies and other assets are excluded. “No current gap” does not mean your future spending is guaranteed. This is a limited educational scenario, not a complete retirement plan.
Test a Bitcoin price change alongside it
This price change alone does not alter your cash reserve. It does not assume a recovery date. Zero means a flat price; positive values test a rise. These are examples, not forecasts.
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Manage this saved plan
Only this new spending plan and its family/lesson progress are affected. Your existing holdings, financial quiz and wallet checklist are separate.
No bank connection required. These figures are stored privately on your member account only when you save. They are never sent as analytics event labels. Do not put account numbers, wallet secrets or backup locations in the plan name.