This calculator is not implementing the safe withdrawal rule, thats in use in the FIRE commnity. Bitcoin is a lot more volatile and has 4 years cycles, thus the safe withdrawal rule is much more important in bitcoin, than a traditional portfolio. with an appreciation of 150% you should retire today as per this calculator. Thats total nonsense, because bitcoin wil likely not appreciate 150%/year. but most likely it will appreciate 600% in 4 years. safe withdrawall rule: https://www.madfientist.com/safe-withdrawal-rate/