Retirement Age Calculator
Find out when you can afford to retire based on your current savings, expenses, and investment returns. Plan your ideal retirement timeline.
Step 1: Current Financial Situation
Retirement Income Rule
The 4% rule suggests you can withdraw 4% of your retirement savings annually. To get £30,000/year, you’d need £750,000 saved.
Step 2: Assumptions & Growth
About Safe Withdrawal Rates
A 4% withdrawal rate is historically safe for 30-year retirements. Lower rates provide more safety, while higher rates increase risk of depleting savings.
Retirement Age Results
Your Projected Retirement Age
Retirement Timeline
Retirement Savings Timeline
Year-by-Year Projection
| Age | Year | Savings Value | Annual Contribution | % of Goal |
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Retirement Scenarios Comparison
| Scenario | Annual Contribution | Investment Return | Retirement Age | Retirement Savings |
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How to Retire Earlier
Strategies to Accelerate Retirement
1. Increase your savings rate by 5-10% of income
2. Reduce investment fees by 0.5%
3. Work part-time in early retirement (barista FIRE)
4. Reduce retirement spending needs by 10%
5. Consider geographic arbitrage (relocate to lower cost area)
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