When Can I Retire? Retirement Age Calculator

Retirement age calculator

Find the earliest age your numbers may let you stop working full-time. Enter your savings, annual contributions, expected spending, healthcare costs and retirement income. The calculator tests when your financial plan may support leaving full-time work.

How this calculator works. How long asks how far today's savings go. How much asks how large the nest egg must be. This tool keeps the savings you entered and searches for the earliest work-end that still lasts through the age you set.

Limitations. Educational projection only. It does not model taxes, job-market risk, or guaranteed employment until the solved age. Last reviewed September 2026.

Free to use · No account required · Assumptions shown · Educational planning tools

Your entered plan

Ages, savings, lifestyle, healthcare, and guaranteed income. Work-end is what this tool solves for — it is not on this form. Pension at $0 is skipped.

Current age

Plan through ageLongevity target, not a prediction. First person when two persons is on.

Current retirement savings

Annual savings until retirementSame dollar amount each year unless you turn on the inflation toggle below.

Lifestyle spending / yearHousing, food, travel — not medical.

Healthcare spending / yearPremiums + out-of-pocket today.

Social Security / yearToday’s dollars, with COLA (rises with general inflation).

Social Security starts

Pension / yearLeave at 0 to skip. COLA is on unless you turn it off.

Pension starts

Pension COLAOn = this pension rises with inflation. Off = a fixed annual amount.

▶Rates

Same market and inflation rates as the other tools.

General inflation

Healthcare inflation

Return before retirementGrows current savings (future value) and annual deposits until full-time work ends. Deposits stay level unless the inflation toggle is on.

Return in retirement