Retirement Calculator: When Can I Retire?

One question drives everything: When can I retire? Our free calculator gives you a real answer — built from your actual savings, contributions, expected returns, and retirement goals. See your projected retirement age, estimated monthly income, fund duration, and personalized recommendations.

Free Tool
Real-Time
Precision
Advance Insight
John Smith

Deepak Yadav

Principal Tools Architect

Published

2026-04-26 17:45:56

Your Profile

Required

Current Finances

Required
$
$
$
%
%

Investment Strategy

Premium
7%
Low (0%)High (15%)
2.5%
Low (0%)High (10%)
60%
Stocks
30%
Bonds
10%
Cash

Note: This Investment Mix helps set the "Expected Annual Return". The "Expected Annual Return" slider is the direct input for growth calculations.

Retirement Goals

Required
$
/year
80%
Frugal (e.g. 50%)Comfortable (e.g. 100%+)

Social Security

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Include Social Security?
$
/month
Get your estimate at SSA.gov

Advanced Options

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15%
$

Note: Selected account types are for your reference. The calculator uses the single "Estimated Tax Rate in Retirement" for simplicity.

Note: The calculator primarily models withdrawals based on your inflation-adjusted desired income. Other strategies are conceptual.

Life Events

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Add one-time expenses or income events.

Your Retirement Outlook

Retirement Savings Goal
$0
Target (Today's $) by age 65
Current Progress
0%
Est. Monthly Income (Ret.)
$0
Pre-tax, future dollars
Retirement Readiness
Based on your current plan
Calculating...
At RiskOn TrackExcellent
Target Retirement Age
When you plan to retire
0
Current Retirement Savings
Total across all accounts
$0
Projected at Retirement
Estimated future value
$0
Retirement Fund Duration
How long your money may last
0 years

Retirement Savings Projection

Chart shows total projected savings. Accumulation view: growth until retirement. Distribution view: savings usage during retirement.

Retirement Income Sources (Est. Monthly, First Year)

Retirement Accounts
$0/mo
Social Security
$0/mo
Other Income
$0/mo
Total Est. Monthly Income$0/mo

Pre-tax estimates in future dollars for the first year of retirement.

Investment Return Scenarios

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Success Probability (Illustrative)
Estimated likelihood of funds lasting, based on market scenarios.
0%

Note: These scenarios explore varied returns around your "Expected Annual Return". "Median Projection" uses your direct input.

Personalized Recommendations

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Increase Contributions

Consider increasing monthly contributions by $200. Small increases can have a large impact.

Adjust Asset Allocation

Example: Set Expected Return to 8.0% (e.g. 70% Stk, 25% Bnd, 5% Csh).

Delay Retirement

Consider delaying retirement by 2 years to significantly boost savings and potential SS benefits.

Note: Recommendations are examples. Click "Apply Change" to see the impact.

Your Retirement Timeline

Age 0 (Now)

Current savings: $0. Saving $0/month.

Midpoint to Retirement (Age 0)

Projected savings: $0. Review progress.

Social Security Claim Age (62)

If claiming, SS benefits start (may be reduced if before FRA).

Retirement (Age 0)

Projected savings: $0. Est. monthly income: $0.

Life Expectancy (Age 0)

Funds projected to last until age 0.

Current Plan Summary

Strategy Details:

  • Monthly contribution: $0
  • Investment mix (Informational): 0% stocks...
  • Retirement age: 0
  • Expected annual return: 0%

This chart mirrors the 'Accumulation' view of your main savings projection.

Frequently Asked Questions