🗓️ Calculator

When Can I Retire?

Enter your current savings, what you're putting away each month, and what you want to live on in retirement. We'll tell you the earliest year you can walk out the door.

Your Numbers

Your Current Age

Current Retirement Savings

Monthly Contributions (you + employer)

Desired Monthly Income in Retirement

This is your total monthly spending target — from all sources.

Expected Social Security Monthly Benefit

Enter 0 if unsure. Check ssa.gov for your estimate.

Expected Annual Return

Return in Retirement (conservative)

Your Retirement Timeline

Earliest Retirement Age

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Savings at Retirement

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your nest egg

Years until retirement —

Required nest egg (25× annual need) —

Need from portfolio (after SS) —

Safe withdrawal amount/month —

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Uses the 4% safe withdrawal rule (25× annual expenses) as the retirement target. Does not account for inflation, taxes in retirement, RMDs, healthcare costs, or sequence-of-returns risk. Social Security estimates sourced from ssa.gov may differ. This is not financial advice.