Free online retirement age calculator. Predict your earliest retirement age based on savings, income and expenses. FIRE financial independence planning. | No registration · Data stays on your device
Zero Dependencies · Works OfflineEnter your current financial data to calculate the age at which you can achieve financial independence and retire.
Frequently Asked Questions
How is retirement age calculated?
Retirement age depends on three core factors: current savings, annual savings, and post-retirement spending. The formula is: Retirement Age = Current Age + log(1 + (Annual Spending × Expected Return) / Annual Savings) / log(1 + Expected Return). Social Security and pension timing should also be considered.
What is the FIRE movement?
FIRE (Financial Independence, Retire Early) is a methodology for achieving financial freedom and early retirement. Core principles: save 50%+ of income, invest in low-cost index funds, and reach 25× annual expenses (the 4% rule). Variants include Lean FIRE (frugal early retirement) and Fat FIRE (luxurious early retirement).
What is the 4% rule?
The 4% rule (safe withdrawal rate) is a rule of thumb in financial planning: if you withdraw only 4% of your retirement portfolio annually, your assets should last at least 30 years based on historical market performance. This means you need approximately 25× your annual expenses saved (100%/4% = 25).
How much do I need to retire?
Using the 4% rule: Retirement Fund Needed = Annual Expenses × 25. For example, $40,000 annual spending requires $1,000,000. With a more conservative 3% withdrawal rate, you need 33× annual expenses. This calculator automatically computes your target fund and estimated retirement age.