About the Early Retirement Calculator
How early you can retire given your savings rate, investments and spending — using the savings-rate method.
Also known as: retire early calculator, early retirement age, retire at 45.
How to use this calculator
- Enter current age, annual take-home income, annual spending, current investments and the other fields.
- The result updates instantly as you type — press Calculate (or Enter) at any time.
- Review the breakdown shown under the main result.
- Use Copy result or Share to save the answer or send a link with your inputs.
Formula
Retire when investments ≥ 25 × annual spending
Worked example
Using the values pre-filled in the calculator above:
- Current age = 30
- Annual take-home income = 90,000
- Annual spending = 45,000
- Current investments = 60,000
- Real return = 5 %
the calculator returns:
- Retirement age: 46
- Years to financial independence: 16
- Savings rate: 50%
- Target portfolio (25× spending): 1,125,000