Treasury21
Retire early on your own terms.
Free calculators for people holding Bitcoin, MSTR and STRC. Start with the SEPP planner to see how much you need to pay yourself before 59½, then plan the whole retirement.
See an example plan ↓SEPP Planner
How much do I need in a SEPP account to pay myself before 59½? Enter the take-home income you want. See the account size, the lock-in rules, and what a dividend cut does to it. Built for STRC, SATA and SATS dividend preferreds only.
Open the planner → Plan the descentFlight Plan
Will my money last through retirement? Plan three phases of retirement, see your balance for 45 years, a range of 500 possible market outcomes, and what a bad market early on does to your plan.
Open the flight plan → Watch the portfolioWealth Dashboard
What will my holdings be worth, and can they pay my income? Projects BTC, MSTR, MSTY, STRC and Treasuries to 2045 in Bear, Base and Bull cases, with your estimated taxes and what to sell each year.
Open the dashboard → See the communityCompare Plans
Share your plan anonymously and see how real early-retirement plans compare, including whether they hold up in the Bear case.
Open comparison →An example: retiring at 50
Meet Jordan, a made-up person who wants to stop working at 50. Follow the four steps to see how a plan like this fits together, then try it with your own numbers.
Fictional example · not a forecast-
1
The goal
Jordan wants about $6,000 a month to live on, before taxes. That is $72,000 a year.
The catch: most of Jordan's money is in a retirement account (an IRA). Taking it out before age 59½ normally costs a 10% penalty.
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2
The paycheck account (a 72(t) SEPP)
A 72(t) SEPP is an IRS rule that lets you take fixed payments from an IRA before 59½ without the penalty. The deal: once you start, you keep the same payment going until 59½. For Jordan, that is 9½ years.
The payment is roughly 6% of the account each year, so Jordan sets aside enough to produce $72,000:
$72,000paid each yearabout 6%of the account$1,200,000in the SEPP accountThe exact percentage depends on your age and the IRS interest rate. The SEPP planner works it out for you.
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3
Where the money comes from
Jordan's SEPP account holds dividend preferreds (STRC, SATA and SATS), which pay income. The account has to cover the $72,000 payment. Pick a dividend rate to see what happens:
Yearly dividend rate
The payment stays at $72,000 no matter what the dividend does. Real rates differ by preferred and can change.
Comfortable -
4
Everything else Jordan owns
Because the SEPP pays the bills, Jordan does not have to sell any Bitcoin during these years.
Jordan's example portfolio at 50 SEPP accountSTRC, SATA, SATS. Pays the paycheck. $1,200,000 BitcoinLeft alone to grow. $900,000 TreasuriesSteady, low-risk reserve. $150,000 CashFor taxes and surprises. $60,000 Total $2,310,000 What could Bitcoin be worth by 59½? (made-up growth rates)
Jordan's Bitcoin after 9½ years $1,870,000Kept simple on purpose: ignores taxes and inflation, and holds the other assets steady.
Now try it with your own numbers
Start with the SEPP planner to find out how big your paycheck account needs to be. It's free and your entries stay in your browser.
Jordan is fictional and every number in this example is made up. It is not financial, tax or legal advice.