With just 0.3 bitcoin you could be a millionaire in future: we do the maths

Update (November 1, 2026): we have redone the calculation with new figures. According to UBS’s Global Wealth Report 2026, which continues Credit Suisse’s earlier survey, there were around 57.5 million US dollar millionaires worldwide at the end of 2025; Capgemini, using a narrower definition of investable assets only, counts around 25.3 million for 2025. Dividing the maximum of 21 million bitcoin by the UBS figure leaves around 0.37 BTC per millionaire, or around 0.35 BTC using the 20.1 million mined to date. At a price of $77,683 or €69,362 on November 1, 2026 at 04:35 UTC (CoinMarketCap), 0.3 BTC costs around $23,300 or €20,800, and 0.1 BTC around $7,770. Bitcoin reached its all-time high so far on October 6, 2025, at around $126,000.

Bitcoin fascinates more and more people. Many of its fans are ideologically convinced of the “new money”. Most people, however, probably come to the cryptocurrency because they want to get rich. But how many BTC do you actually need to be the equivalent of a millionaire in future?

How can you become a “millionaire” with bitcoin?

In childhood and youth, “becoming a millionaire” was the big goal for many people. A millionaire is seen as someone who no longer has money worries and “can buy anything”. But there are far more millionaires in the world than you might think.

The number of millionaires worldwide varies by source. Data from consultancy Capgemini put the number of US dollar millionaires worldwide at 21.7 million in 2023; for 2025, Capgemini counts around 25.3 million. Credit Suisse data on wealth millionaires, on the other hand, showed 62.5 million in 2021; UBS, which continues this survey, arrives at around 57.5 million for the end of 2025.

If we bear in mind that bitcoin is capped at 21 million, we can see that millionaires can only buy a certain amount of bitcoin with their wealth. If you accumulate enough bitcoin today, you could have the status of a millionaire in future, if bitcoin becomes the world’s new money.

Buying cryptocurrencies can seem daunting to newcomers, but platforms like Bitpanda have made the process simple and user-friendly. Bitpanda is a reputable exchange known for its ease of use and security features. To buy BTC on Bitpanda, simply follow these steps:

• Create an account on the Bitpanda platform.
• Verify your identity for security reasons.
• Deposit money using your preferred payment method.
• Then search for the cryptocurrency you want.
• Select the amount you want to buy and confirm the transaction.

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How many bitcoins do you need to count as a millionaire in future?

Based on these data, we can see that it does not take many bitcoins to be the equivalent of a millionaire in future. If we were to divide all bitcoins in future among all the world’s millionaires, each millionaire would be left with only a little more than 0.3 bitcoin. Using the UBS count for the end of 2025 (57.5 million), that works out at around 0.37 BTC, and with Capgemini’s narrower count (25.3 million) at around 0.83 BTC.

But we have to bear in mind that only a few people have so far accumulated a large share of bitcoins. In future, even less than 0.3 BTC could be enough to be as wealthy as today’s millionaires.

How much BTC should you aim for?

The big goal for retail investors will probably remain becoming a “wholecoiner”, owning one whole bitcoin. But if that goal seems out of reach at a price of around $77,700 on November 1, 2026, there is no need to be frustrated. Our calculation shows that with 0.3 BTC you can be rich in future if bitcoin establishes itself as the money of the future. At the price on November 1, 2026, 0.3 BTC costs around $23,300 or €20,800.

You should therefore aim to own at least 0.1 BTC to provide for yourself and your family in future. The more bitcoins you own, the sooner you will no longer have to worry about money if bitcoin takes over the world. 0.1 BTC, around $7,770 at the price on November 1, 2026, should be a realistic goal for you as an investor and can easily be reached. Even with this amount you could be as wealthy as a millionaire in several decades.

If you are interested in buying cryptocurrencies, Bitget offers a simple process:

• Verify your identity.
• Choose your preferred local currency.
• Use payment options such as VISA or Mastercard to complete the transaction.
• Buy or sell Dogecoin and various other cryptocurrencies instantly with your credit or debit card.

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(As of November 1, 2026. This article is not investment advice. Prices and fee structures change; check the terms with the provider before you buy.)