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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.

Enter values

Results update as you type.

Result

Retirement age

46

Years to financial independence
16
Savings rate
50%
Target portfolio (25× spending)
$1,125,000.00

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

  1. Enter current age, annual take-home income, annual spending, current investments and the other fields.
  2. The result updates instantly as you type — press Calculate (or Enter) at any time.
  3. Review the breakdown shown under the main result.
  4. Use Copy result or Share to save the answer or send a link with your inputs.

Early Retirement 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