Retirement Age Calculator
Enter current balance, monthly contribution, target monthly income, and return rate. We estimate years until you can retire (simplified).
Years to retirement
Enter values to calculate.
How it works
We project balance with contributions. When balance × (withdrawal rate) ≥ target income, you have enough. Uses 4% withdrawal as default.
When to use it
Use it to see how many years until you reach a target retirement income from savings.
Frequently asked questions
Include Social Security?
No. Add SS to target income or reduce target by expected SS.
Inflation?
We use nominal rate. For real dollars use a real (after-inflation) return.