- Many investors believe XRP could fuel early retirement by 2040 if its price projections hold true, with forecasts suggesting potential gains up to $1,474 per token.
- Depending on XRP’s future value, holding as little as 700 to 10,000 XRP today could potentially yield $1 million or more within 15 years.
Many in the XRP community view the token as a potential path to financial independence. With XRP’s future price trajectory still a subject of debate, investors are asking: how much XRP would one need to retire comfortably by 2040?
How Much Do You Need to Retire?
The answer depends on several factors, including lifestyle, location, and personal financial goals. In the U.S., financial planners often suggest saving 10 times one’s pre-retirement income by age 67. Recent surveys indicate that Americans now target an average retirement fund of between $1.26 million (Northwestern Mutual, 2025) and $1.8 million (Charles Schwab, 2024).
Of course, these figures vary globally. In regions with lower living costs, far less capital may be required to retire well.
Also read: Ethereum Price Prediction: On-Chain Strength Signals Potential Breakout Above $2,800
Can XRP Help You Reach $1 Million by 2040?
XRP’s future price is key to any retirement strategy based on the token. The question becomes: how much XRP should you hold today to hit that million-dollar mark by 2040?
Consider this:
- If XRP reaches $10, an investor would need 100,000 XRP to achieve $1 million—requiring a substantial upfront investment of over $200,000 at current prices.
- A more attainable goal might be holding 10,000 XRP, which costs around $20,000 today. If XRP hits $100, this portfolio would reach $1 million.
Changelly’s Bold Forecast
According to Changelly’s 2025 forecast, XRP could exceed $100 and potentially reach $170 by January 2040—or even $1,474 by year-end. If these predictions hold:
- 10,000 XRP could grow to $1.7 million at $170 per token
- At $1,474, that same holding would surpass $14 million
- Even holding just 700 XRP (worth ~$1,512 today) could potentially cross the $1 million mark if XRP reaches $1,474.
While these forecasts are promising, they remain speculative. No investment is without risk, and XRP’s future hinges on many variables—including regulatory clarity, adoption rates, and market sentiment. Investors should approach such projections with caution, diversify their portfolios, and consult financial experts before making major investment decisions.