The day this thread was started: two people regularly invest--one in bitcoin, one in SP500. The equities investor out ahead.
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An okay read. https://www.investopedia.com/tech/what-happens-bitcoin-after-21-million-mined/As of mid-2026, approximately 960,000 to 1.2 million Bitcoins remain to be mined.
Bitcoin has a fixed maximum supply of 21 million coins, a limit hard-coded into its protocol by Satoshi Nakamoto to ensure scarcity and prevent inflation As of 2026, over 20 million BTC have already been mined, meaning more than 95% of all Bitcoins that will ever exist are already in circulation Estimates vary slightly depending on the source, with figures ranging from 939,000 to 1.2 million BTC left to mine
New Bitcoins are created as a reward for miners each time a block is added to the blockchain. This reward is halved approximately every four years, a process known as the halving, which gradually slows the rate of new Bitcoin issuance .Because of this mechanism, the remaining Bitcoins will be mined very slowly over the next century, with the last Bitcoin expected around the year 2140
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As of mid-2026, approximately 960,000 to 1.2 million Bitcoins remain to be mined.
Bitcoin has a fixed maximum supply of 21 million coins, a limit hard-coded into its protocol by Satoshi Nakamoto to ensure scarcity and prevent inflationbleap.finance+2. As of 2026, over 20 million BTC have already been mined, meaning more than 95% of all Bitcoins that will ever exist are already in circulation
bleap.finance+2. Estimates vary slightly depending on the source, with figures ranging from 939,000 to 1.2 million BTC left to mine
bleap.finance+2.
Mining Schedule and Halving
New Bitcoins are created as a reward for miners each time a block is added to the blockchain. This reward is halved approximately every four years, a process known as the halving, which gradually slows the rate of new Bitcoin issuance Because of this mechanism, the remaining Bitcoins will be mined very slowly over the next century, with the last Bitcoin expected around the year 2140
Lost Bitcoins
It is important to note that a significant number of Bitcoins are permanently lost, estimated between 2.3 million and 3.7 million coins, due to lost private keys or inaccessible wallets This reduces the effective supply available for trading or spending, making the remaining mineable Bitcoins even more valuable.
Summary
- Total supply cap: 21 million BTC
- Mined so far: ~20 million BTC
- Remaining to mine: ~960,000–1.2 million BTC
- Expected last Bitcoin mined: ~2140
- Lost coins: 2.3–3.7 million BTC
The scarcity of Bitcoin, combined with the halving schedule and lost coins, ensures that the remaining supply will continue to be released gradually, supporting its long-term value and rarity
Im not an expert in crypto, but I have to ask , why would I want to put money into bitcoin when theres so little left? In other words , once bitcoin is at or near its all time high, why buy it when there is little chance it will go up ? Say it capped at 250K. whos going to buy it and why?

