Time Until Retirement Calculator
Are you on track to retire when you want? Enter your numbers and find out — plus see your earliest possible retirement age and key savings milestones.
Frequently Asked Questions
How do I know if I'm on track for retirement?
A quick benchmark: by age 30, aim to have 1× your annual salary saved; by 40, 3×; by 50, 6×; by 60, 8×; by retirement, 10–12×. These are guidelines, not rules — the 4% withdrawal rule (where you need 25× your annual expenses) is a more precise target. This calculator uses the 4% rule to calculate your goal.
What is the 4% rule for retirement?
The 4% rule states that you can withdraw 4% of your retirement savings annually without running out of money over a 30-year retirement. To use it: multiply your desired annual retirement income by 25 to find your nest egg target. Example: $60,000/year income needs a $1.5 million nest egg.
What annual return should I assume for retirement savings?
A 7% real return (after inflation) is the most commonly cited historical average for a diversified stock portfolio. More conservative projections use 5–6%. If you're closer to retirement and shifting to bonds, 4–5% is more realistic. This calculator uses nominal returns — subtract 2–3% for inflation-adjusted purchasing power.
How much should I save per month for retirement?
A common target is 15% of gross income, including any employer match. If you're starting later, you may need to save more. Use this calculator to find the exact monthly amount needed based on your specific age, savings, and income goals.
Can I retire early using this calculator?
Yes — the calculator shows your earliest possible retirement age at your current savings rate. To retire early, increase monthly contributions, target a higher return (through lower-fee index funds), or reduce your desired retirement income. The FIRE (Financial Independence, Retire Early) movement typically targets 25× annual expenses as the nest egg needed.