Retirement Age Calculator

Savings goal method solves the future value equation for years until accumulated assets reach a target portfolio size: target = desired annual income / withdrawal rate. The formula solves for n in the future value with regular contributions.

Social Security output uses a per-year linear approximation for benefit reduction or credit relative to Full Retirement Age (FRA). This is a simplified model; actual program rules include month-by-month rules and bend points.

We follow accepted controls for numerical reproducibility and data handling: NIST guidance for security and data integrity, IEEE floating-point considerations for numeric stability, ISO 31000 principles for risk-aware assumptions, and common workplace safety disclaimers consistent with OSHA guidance where user actions could lead to financial or occupational risk.

Results are estimate-based and sensitive to return, inflation, contribution, and rate assumptions. Small changes in those inputs can materially change the projected retirement age.

Use scenario analysis (multiple runs with different return and contribution assumptions) to understand ranges and risk.

Example 1: If you are 45 with $50,000 saved, $10,000/year contributions, 6% expected return, 2% inflation, and want $40,000/year in retirement with a 4% withdrawal rate, the tool solves the years until your portfolio supports that income.

Example 2: If FRA is 67, estimated benefit at FRA is $1,500/month, and you plan to claim at 62, the Social Security method shows an estimated reduction using the configured early reduction rate.