When Can You Retire? Find Out in 60 Seconds.
Calculate exactly when you can retire based on your savings rate, investment returns, and spending needs. Used by thousands of FIRE planners.
Want this answer for your exact situation?
This calculator uses one variable. Your real answer depends on your complete household picture — income, investments, mortgage, kids, debt. Free forever · Takes 4 minutes · No credit card.
Frequently Asked Questions
How does a retirement calculator work?
A retirement calculator projects your net worth year-by-year based on your income, savings rate, investment returns, and expected spending in retirement. It finds the year when your portfolio can sustain your lifestyle indefinitely.
What savings rate do I need to retire early?
A 50% savings rate allows retirement in roughly 17 years. A 75% savings rate can enable retirement in under 7 years. The higher your savings rate, the faster you reach financial independence.
How much do I need to retire at 55?
To retire at 55, multiply your expected annual spending by 25 (the 4% rule). If you plan to spend $80,000/year, you need $2,000,000. You should also account for the gap before Medicare eligibility at 65 and Social Security at 62–70.
Does this calculator account for inflation?
Yes. The calculator applies a spending inflation rate (default 3% per year) and computes your real purchasing power at retirement. Investment returns are modeled in nominal terms so you can see exactly when your purchasing power peaks and where risks emerge.
What return rate should I use?
The US stock market has averaged 10% nominal (7% real) returns over 100 years. A conservative planning assumption is 6–7% nominal. The calculator defaults to 7% but lets you stress-test at any rate.