Retirement Age Calculator

Find out when you can retire based on your current savings, contributions, desired income, and government benefits.

Current Age

Life Expectancy

The age you expect to live to. This determines how long your savings need to last.

Current Retirement Savings

Total value of all your retirement accounts including 401(k), IRA, and other investments.

Annual Contribution

How much you contribute to retirement savings each year, including employer match.

Desired Annual Retirement Income

The annual income you want during retirement, in today's dollars. A common target is 70-80% of your current income.

Advanced Options

Annual Contribution Increase (%)

Expected annual increase in your contributions, typically matching salary raises.

Pre-Retirement Return (%)

Expected annual investment return before retirement. Historical stock market average is around 7-10%.

Retirement Return (%)

Expected annual return during retirement. Typically lower as portfolios shift to conservative investments.

Inflation Rate (%)

Expected annual inflation rate. The long-term average is approximately 2-3%.

Safe Withdrawal Rate (%)

The percentage of your portfolio you withdraw annually in retirement. The 4% rule is a widely used guideline.

Include Government Benefits (Social Security)

How does this calculator work?

This calculator finds the earliest age you can retire by projecting your savings growth with annual contributions and investment returns. It calculates how large your nest egg needs to be using the safe withdrawal rate, then simulates the distribution phase to ensure your funds last through your expected life span.

Enter your financial details and click Calculate to find your retirement age.