When Can I Retire?

A retirement planning workbench for scenario comparison and assumption-led decision framing.

Age-based calculator

Retirement Calculator by Age, Savings, and Spending

Estimate when you might retire based on your current age, retirement age, savings, spending, inflation, return assumptions, and withdrawal rate.

Open calculator View age-based examples

Educational presets

Start with an age-based example

Each preset is educational only and should be replaced with your own assumptions.

Profile inputs

Your starting age for the planning timeline.

The age when withdrawals are expected to start.

$

Portfolio amount available today.

Savings assumptions

$

Recurring contributions before retirement.

Your return assumption, not a guarantee.

$

Baseline spending before inflation adjustments.

3.5%

Higher volatility increases scenario spread.

Age and timeline

How age changes retirement planning

Your current age affects how many contribution years remain, how long your assets may compound, and how many years your portfolio may need to support withdrawals before other income begins. A retirement calculator by age is useful because the same savings number can mean different things at 35, 45, or 55.

Savings rate

Why savings rate matters more than age alone

Age gives the timeline, but savings rate controls how quickly the plan can change. Higher monthly contributions can offset a later start, while lower contributions can make an early start less powerful than it appears. Use the calculator to test contribution changes before interpreting age by itself.

Spending target

How annual spending changes the result

Annual spending changes the FIRE number because the withdrawal target is based on the amount you expect to spend in retirement. Small spending changes can have a large effect because they are multiplied into a long-term portfolio target.

Assumptions

Why inflation and returns are assumptions

Inflation and investment returns are planning inputs, not promises. Higher return assumptions can make retirement appear closer, while higher inflation can push the target farther away. The Monte Carlo view is included to show a range of possible paths, not to guarantee an outcome.

Age-based retirement examples

Age-based retirement examples

Age 55 target

Retire at 55 with $1,000,000

A scenario for testing early-retirement timing against spending and withdrawal assumptions.

Age 60 target

Retire at 60 with $750,000

A later-start example for comparing portfolio size, spending, and bridge-income assumptions.

Benefit timing

Social Security retirement date

Compare how modeled bridge income changes retirement cash-flow assumptions.

Delay scenario

Work three more years

A practical example of how additional years can affect contributions and withdrawal timing.

Planning checklist

Get the retirement planning checklist

Use the calculator first, then save a scenario so you can compare age, spending, contribution, return, inflation, and withdrawal assumptions in one place. No email backend is connected on this static page.

Save this scenario

Limits of this calculator

Limits of this calculator

This calculator does not know your taxes, pension options, debt, insurance, housing plans, dependents, health status, future income changes, or investment allocation. It is an educational planning tool and does not provide financial, tax, legal, or investment advice.