When Can I Retire?
Enter your age, expenses, and savings to see at what age you could reach financial independence and retire. Find your target nest egg and watch your assets grow year by year.
What is the 'When Can I Retire?' calculator?
Enter your current age, the monthly expenses you'll need in retirement, what you've saved so far, how much you save each month, and your expected return — it instantly estimates the age at which you could become financially independent and retire.
It turns the vague idea of 'I'll retire someday' into a concrete age and number, helping you see how much more you'd need to save to get there.
How is the target nest egg calculated?
This calculator uses the widely known '4% rule' — the idea that you can withdraw about 4% of your savings each year without running out.
That means your target nest egg is 25 times your annual expenses. For example, if you'll need $4,000 a month, that's $48,000 a year, and 25× that is $1.2 million as your goal.
How to retire sooner
Even a small bump in your monthly saving can pull your target age in by years — try changing it and watch how many years drop off.
A higher expected return grows your assets faster, but remember it comes with more risk.
Tap 'View growth schedule' to see how your assets grow year by year and exactly when they reach the goal.
Frequently Asked Questions
Can I really retire at this age?
It's an estimate based on the 4% rule. Inflation, taxes, and return swings are simplified, so treat it as a guide for direction rather than an exact forecast.
Do I enter today's expenses?
Enter what you expect to spend each month in retirement. Using a figure close to your current expenses is fine, or adjust it to fit your retirement plans.
Can I use other currencies?
Yes — tap the amount's unit to switch between USD, KRW, JPY, EUR, and many more.