Bitcoin IRA calculator: what the wrapper is worth
Compare a taxable account, a Traditional IRA, and a Roth IRA holding the same bitcoin.
What happens at the end?
You choose the growth rate. It is not an Onramp forecast.
After-tax value if withdrawn in that year
How the gap compounds
After 20 years, the roth ira keeps
+$980k
more than the same bitcoin in a taxable account — $5,140,576 versus $4,160,461 after tax.
Based on the assumptions you set. Not a forecast.
$980k tax · Capital gains tax due when you sell
$1.31M tax · Ordinary income tax due on withdrawal
$0 tax · No tax due on a qualified withdrawal
What this does not model
Contribution and income eligibility limits, required minimum distributions from age 73, state and local taxes, the 3.8% net investment income tax, early-withdrawal penalties before age 59½, and Onramp or administrator fees. The starting balance is treated as already inside each account, so the tax cost of a Roth conversion is not modelled. Under the SECURE Act most heirs must empty an inherited IRA within ten years; the calculator treats it as a single event rather than modelling that schedule, and assumes constant tax rates throughout.
Illustrative only. This calculator is an educational tool, not tax, legal, or investment advice, and it is not a projection of the returns any Onramp account will achieve. The growth rate is an assumption you choose, not a forecast. Bitcoin is volatile and does not compound in a straight line. Past performance does not guarantee future results. Consult a qualified tax or financial professional about your own circumstances.
Open a Bitcoin IRA with Onramp
Onramp IRA accounts hold bitcoin itself, secured by Multi-Institution Custody across three independent institutions.