Here’s How Much XRP You Need to Retire Comfortably, According to XRP Army

As the price of XRP rises, discussions about how much of the token one needs to hold for retirement are gaining traction once again.

Across social media, market commentators are reigniting the conversation around how much XRP is needed to retire comfortably.

The idea is that while most XRP holders are retail investors, many are anticipating a future where the price of XRP becomes so high that even a modest holding could be worth millions, enabling investors to transition from active work to a passive income lifestyle.

Community Weighs In

One user stated that 10,000 XRP would be sufficient to retire comfortably. This implies an expectation that XRP could rise above $100, making this investment worth over $1 million.

Another suggested a much higher target of 60,000 XRP. However, Jeremiah pushed back on that figure, saying he believes the required amount would be “far less than that.”

A community member took an even more aggressive stance, suggesting that just 1,000 XRP could be enough. Jeremiah agreed, even hinting that future supply dynamics could significantly impact value. He claimed that XRP supply will begin to dry up in five years, adding, “The price will be huge.”

I can definitely see that. Just wait until the supply starts to dry up in 5 years. The price will be huge!

— GenXRP (@JeremiahB45) July 20, 2025

In perspective, such a small portfolio would only be worth millions if XRP were to reach $1,000, a projection many view as highly ambitious.

Could 100 XRP Be Enough?

One of the most surprising takes came from a user named Marc, who claimed that just 100 XRP would be sufficient to retire. Jeremiah didn’t dismiss it. In fact, he responded, “Yes indeed.”

Yes, indeed 👏

— GenXRP (@JeremiahB45) July 20, 2025

This response shows the ultra-bullish sentiment held by some in the XRP community. For context, 100 XRP would only be worth millions in a hypothetical future where XRP trades at over $10,000 per token.

This outlook would require a staggering growth of over 285,000% from today’s price. Interestingly, in a bold statement, crypto founder Jake Claver asserted that XRP could hit $10,000 by 2027. However, many, even within the XRP community, remain skeptical of such extreme optimism.

The Number Is Less Important

Meanwhile, some community members have shifted the focus away from exact numbers, instead highlighting the broader forces.

One user pointed out that the amount of XRP required to retire ultimately depends on factors such as market adoption, regulation, and technological evolution. They compared the situation to Bitcoin, noting how the number of BTC needed to retire in 2020 has become very different from what’s needed today.

Essentially, according to many XRP holders, the token’s price could be much higher in the years to come. Some analysts, like BarriC, have even suggested that XRP could be considered “cheap” at $500 by the 2030s.

Evaluating such future price scenarios against small holdings from 100 to 50,000 XRP could mean substantial fortunes emerging from today’s modest investments.

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