Retirement Age Calculator
Estimate when you can retire based on current age, savings, monthly contributions, expected return and retirement income needs.
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Calculate to compare target and projection
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Small changes in return, inflation, withdrawal rate or desired income can materially change the retirement age estimate.
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Test higher monthly contributions and a different retirement age without changing your main inputs.
Calculate your baseline first
It estimates a target portfolio from your desired annual retirement income and safe withdrawal rate, then projects your current savings and monthly contributions using the expected annual return.
A safe withdrawal rate is the percentage of a portfolio withdrawn each year in retirement. This tool lets you test your own assumption because the appropriate rate depends on markets, taxes, time horizon and risk tolerance.
No. This calculator is a simplified savings model. It does not include taxes, employer matches, pensions, Social Security, healthcare costs, debt, market volatility or investment fees.
Results are estimates generated locally in your browser from the inputs provided. They are for informational purposes only and are not financial, tax, legal or investment advice. Actual retirement outcomes depend on returns, inflation, taxes, fees, income changes, withdrawals and personal circumstances. Consider speaking with a qualified financial adviser before making major decisions.
