Calculator
When Can I Retire?
Enter your current savings, monthly contribution, and retirement goal to find out what age you could stop working.
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In today's dollars. The calculator adjusts it for inflation.
The share of the portfolio you plan to draw in the first year of retirement.
Estimated earliest retirement age
76
That is 24 years from now, at an estimated balance of $7,371,044 against a target of $7,234,904.
- Target portfolio at retirement
- $7,234,904
- Spending of $160,000 today, grown at 2.50%, divided by a 4.00% withdrawal rate.
- Target in today's dollars
- $4,000,000
- The same target expressed in the purchasing power of money today.
What this calculator assumes
- Contributions are made once a year and credited half a year of growth, which approximates monthly saving.
- Your spending goal is entered in today's dollars and grown at the inflation rate you set.
- The retirement target is your inflation-adjusted spending divided by the withdrawal rate you choose. It does not subtract Social Security, a pension, or any other income.
- Returns are applied as a constant rate. Real markets do not deliver a constant return, and the order of good and bad years matters.
- No allowance is made for taxes, fees, healthcare costs, or a change in spending over the course of retirement.
This tool produces estimates for planning discussion only. It is not investment, tax, or legal advice, it does not account for your full situation, and it is not a projection of actual results. Investments involve risk and are not guaranteed.
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