Bitcoin Well Infinite

Resources

Bitcoin IRA Calculator

What could bitcoin look like inside your retirement account?

Model moving part of a 401(k) or IRA into bitcoin. Change the amount and the time horizon.

Loading calculator…

What these numbers assume

Each number is your whole modeled balance at retirement, before withdrawal taxes. It includes both the bitcoin you moved and the money you left where it is.

Included

  • Four bitcoin paths: growing 5%, 10%, 15%, and 20% a year. Money left in place grows at 5% a year.
  • The 1.2% bitcoin trading spread and the $210 yearly IRA fee on the bitcoin that moves.
  • 2026 IRA contribution limits when you model new contributions.

Not included

  • State tax, required minimum distributions, and early-withdrawal penalties.
  • Fees inside your current 401(k) or IRA.
  • Any promise that a Roth account, a rollover, or a return will turn out this way.

More detail lives in the rollover guide, the how-it-works page, and the Traditional versus Roth guide.

How a 401(k) rollover to a Bitcoin IRA works

  1. 01

    Ask what can move

    Your plan administrator confirms the vested amount and whether it is pre-tax, Roth, or a mix.

  2. 02

    Open the IRA

    Choose a Traditional IRA or a Roth IRA and wait for the receiving instructions.

  3. 03

    Request a direct rollover

    The plan sends the money to the IRA. Then you buy bitcoin through Bitcoin Well.

A direct rollover goes to the IRA. A check made out to you can trigger 20% federal withholding and a 60-day deadline.

Who holds the bitcoin in the IRA

It stays inside the IRA. It is not sent to a wallet you control unless you take a distribution.

  • Bitcoin Well

    Handles the bitcoin purchase inside the IRA.

  • Heritage IRA

    Administers the Traditional or Roth IRA.

  • BitGo

    Holds the bitcoin in custody for the IRA.

FAQ

Common questions

Have a question we didn't cover?

An Executive Bitcoin Advisor can answer it on a quick call.

A Bitcoin IRA is a US Traditional or Roth IRA that can hold bitcoin. Bitcoin Well handles the bitcoin purchase, Heritage IRA administers the account, and BitGo holds the bitcoin. The bitcoin stays inside that custody structure. It is not delivered to a wallet you control unless you take a distribution under IRA rules.

You can model a portion. The rest is treated as staying in the current account. Your plan, not this calculator, decides how much is actually eligible to move.

No. The yearly IRA contribution limit applies to new contributions. For 2026 that limit is $7,500, or $8,600 if you are 50 or older. An eligible rollover or transfer does not use up that cap.

A direct rollover of pre-tax money into a Traditional IRA is generally not taxed when you move it. Withdrawals later are taxed as ordinary income. Converting that money to a Roth IRA is taxed in the year of the conversion. This tool does not know your full tax situation.

This calculator does not compare the tax treatment. A Traditional contribution may be deductible now and taxed when you withdraw. A Roth contribution is made with after-tax money, and qualified withdrawals are generally tax-free. Which one fits depends on your income and when you expect to pay tax. See Bitcoin Well's Traditional versus Roth guide, and check your own situation with a qualified tax professional.

Bitcoin Well publishes no opening or exit fee, a $210 yearly IRA fee, and a 1.2% spread on bitcoin trades. This tool subtracts the yearly fee from the bitcoin account value and applies the spread on each buy. The administrator's exact billing method can differ.

Bitcoin inside the Bitcoin Well IRA is held by BitGo and administered by Heritage IRA. It is not sent to a personal wallet unless you take a distribution under IRA rules. A distribution can be taxable.

No. The calculator shows four steady paths: bitcoin growing 5%, 10%, 15%, or 20% a year. Money left in place grows at 5% a year. Real bitcoin prices move sharply and can fall a long way. The calculator is education only. It is not investment, tax, or legal advice.

Want to discuss your options?

Talk through a rollover with an Executive Bitcoin Advisor

Someone from our team can explain your options and the next steps. There is no cost or obligation.

This calculator is for general education only and does not provide investment, legal, or tax advice. Bitcoin is volatile and may lose substantial value. Assumptions, returns, and fees may change. IRA contribution, transfer, rollover, conversion, and distribution rules depend on your situation. Consult your plan administrator and a qualified tax professional. Bitcoin in a Bitcoin Well IRA is held through its IRA custodial arrangement and is not personally self-custodied. The $210 yearly fee is modeled as a reduction in account value, and the 1.2% spread is modeled on each buy. The administrator's exact billing method may differ.