When Can I Retire?
Enter your current portfolio, savings rate, and target spending. Get your earliest retirement age, FIRE number, and bridge funding requirement — instantly.
How Your Retirement Age Is Calculated
Your retirement age is the point at which your portfolio grows large enough to fund your retirement spending indefinitely at a safe withdrawal rate. This calculator grows your portfolio year by year at your expected return, adding annual contributions, until it hits your FIRE number.
The FIRE number itself adjusts based on how long your retirement will last — retiring at 45 with a 45-year horizon requires a more conservative 3.0% withdrawal rate than retiring at 60 with a 30-year horizon. The 4% rule was designed for 30-year retirements; early retirees need a lower rate to account for the longer time horizon.
What Happens After You Hit Your Number
Knowing your retirement age is just step one. If you're retiring before 59½, you need a plan for accessing your money without penalties — most people have the majority of their savings in 401(k)s and IRAs with early withdrawal restrictions. The bridge years between your retirement date and 59½ require a separate funding strategy.
Use the Bridge Health Check to score your current setup, or the Bridge Strategy Calculator to model your full year-by-year withdrawal plan.