Here’s How Much XRP You Need to Retire by 2040

Some investors believe they could retire by amassing and holding onto their XRP tokens, but this would depend on how high XRP soars in the future.

Currently, XRP changes hands at $2.35, still struggling at the $2 mark despite Bitcoin’s latest uptick. However, this underperformance has not impacted investors’ sentiment. As optimism grows around XRP’s future, many investors are holding on tightly. Importantly, these investors hope the asset will become their ticket to financial freedom.

XRP Investors Eyeing Financial Freedom

Notably, community commentators like Edoardo Farina have persistently championed this narrative. Interestingly, Farina has insisted that holding at least 10,000 XRP could be enough to reach that goal one day.

Meanwhile, to better understand what it might take to retire with XRP by 2040, we looked at a few long-term price predictions.

We aimed to find out how much XRP an investor would need to reach different retirement goals: $500,000, $1 million, and $5 million. For this, we asked two leading AI tools, ChatGPT and Google Gemini, as well as checked in with analysts from crypto forecasting site Telegaon.

How Much XRP You Need to Hold to Retire by 2014

Specifically, ChatGPT gave a forecast of $22 per XRP by 2040. According to the chatbot, this rise could come from XRP’s growing role in global payments, better regulatory clarity in the U.S., and increased use of the token in financial markets.

XRP Price Prediction ChatGPT

Based on this price, an investor who wants to retire with $500,000 would need 22,727 XRP. Notably, buying that many tokens today would cost around $53,409 at the current XRP price of $2.35.

However, for a $1 million target, you’d need 45,454 XRP, which would run about $106,818 at today’s prices.

Further, those aiming higher at $5 million would need to hold 227,272 XRP, which would cost them roughly $534,000 right now.

Google Gemini’s and Telegaon Analysts’ Forecasts

Meanwhile, Google’s Gemini presented an even more optimistic prediction, suggesting XRP could hit $150 by 2040. The AI tool pointed to massive institutional adoption, XRP’s potential role in replacing systems like SWIFT, and its use in central bank digital currency (CBDC) projects as major drivers.

XRP Price Prediction | Google Gemini

If this forecast plays out, reaching retirement becomes a lot more affordable. To get to $500,000, you’d need just 3,333 XRP, which would cost around $7,833 today at the prevalent price of $2.35.

However, if you’re aiming for $1 million, you’d need 6,666 XRP, demanding an investment of about $15,666 today.

Those eyeing a $5 million retirement fund would need 33,333 XRP, which can be picked up now for roughly $78,333.

Interestingly, Telegaon analysts are the most bullish, predicting XRP could reach a peak of $160.34 by 2040. If that happens, the amount of XRP needed for retirement drops even lower.

XRP Price Prediction | Telegaon

To hit a $500,000 goal at this price, you’d need 3,118 XRP, which you could buy today for about $7,328.

Doubling that to $1 million would require 6,236 XRP, costing around $14,656.

A $5 million retirement would take 31,183 XRP, which would cost about $73,281 at current prices.