I'm sure this question has been done to death but I haven't found an answer yet. Why do people talk so often about 2040 and 2140 as the estimated end date of the block subsidy? I had read 2140 in the early days and so took that number for granted. Andreas Antonopoulos uses 2140 in his book. Bank of England talk about 2040 in their papers as do many other people. I always assumed 2040 was typo. To settle it, I've made my own calcs.
BY 2040 99.4% of all BTC will be mined (probably a bit more if the hashrate continue to increase)
By any practical mean the rest of the coins mined will do not matter (for the users at least).