Retirement Age Calculator
Discover at what age you can retire — and what changes get you there sooner.
Savings Rate Impact
Your savings rate is the most powerful lever for early retirement:
| Savings Rate | Years to Retire |
|---|---|
| 10% | ~40+ years |
| 25% | ~32 years |
| 50% | ~17 years |
| 75% | ~7 years |
Assumes 5% real returns and 4% withdrawal rate.
FAQs
The average American retires at about 62–64. However, with proper planning, many people achieve FIRE (Financial Independence, Retire Early) in their 40s or 50s.
Savings rate is the biggest factor — it determines both how quickly you accumulate wealth and how much you need to save. Investment returns, lifestyle inflation, and healthcare costs also significantly affect your timeline.