Retirement Date Estimator
Discover when you can achieve financial independence based on your savings goals and lifestyle
Your Financial Information
Percentage of income you save annually
Historical stock market average is 7-10%
Historical average is around 2.5%
4% is the traditional safe rate
Check estimate at ssa.gov
Ready to Calculate?
Enter your financial information and retirement goals to discover when you can achieve financial independence.
Disclaimer: This calculator provides estimates based on the information you provide. Actual results may vary due to market conditions, inflation, life changes, and other factors. Consider consulting with a financial advisor for personalized retirement planning advice.
Understanding Your Retirement Date and FIRE Number
"When can I retire?" is really a question with a calculable answer once you know your savings rate, your expected investment return, and how much income you'll need. This calculator turns those inputs into a target retirement age and a "FIRE number" — the total invested assets required to sustain your desired lifestyle indefinitely.
Whether your goal is a traditional retirement in your 60s or an earlier "financial independence, retire early" (FIRE) date, the math is the same: build assets faster than you spend them down, and know the number you're aiming for.
How This Calculator Works
Enter your current age, savings, income, savings rate, and expected returns, along with your desired retirement income and any guaranteed income (Social Security, pension). The calculator computes your FIRE number — the annual income gap divided by your safe withdrawal rate — then simulates your savings growing year by year until that FIRE number is reached, showing your projected retirement age and whether it's achievable within your target timeframe.