When Can I Retire Calculator
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Optimize Your Retirement - When Can I Retire?
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Instructions: Fill in your specific data in the yellow cells only. The green cell below shows the age at which you can retire.
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AssumptionsInputs
Explanation
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Your Current Age50 \$ 10,000 \$ 500 \$ 25,000 1
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Expenses in Retirement \$ 50,000
The amount of expenses you expect annually in retirement.
\$ 45,500 \$ 2,275 \$ 25,000 2
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Rate of Inflation3%
The % you expect inflation to be going forward.
\$ 82,775 \$ 4,139 \$ 25,000 3
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Current Portfolio Value \$ 500,000
The amount you have saved in retirement or taxable accounts.
\$ 121,914 \$ 6,096 \$ 25,000 4
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Investment Return5%
The rate you expect your investments to yield from today on.
\$ 163,009 \$ 8,150 \$ 25,000 5
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Amount you expect to save annually from now until retirement.
\$ 206,160 \$ 10,308 \$ 25,000 6
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Years in Retirement25
The number of years you expect to be in retirement.
\$ 251,468 \$ 12,573 \$ 25,000 7
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\$ 299,041 \$ 14,952 \$ 25,000 8
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\$ 348,993 \$ 17,450 \$ 25,000 9
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\$ 401,443 \$ 20,072 \$ 25,000 10
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Calculation \$ 456,515 \$ 22,826 \$ 25,000 11
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Lump Sum \$ 1,001,967
Amount you need to retire represented as a lump sum.
\$ 514,341 \$ 25,717 \$ 25,000 12
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Current Retirement Shortfall
\$ 501,967
Additional amount you need to save prior to retiring.
\$ 575,058 \$ 28,753 \$ 25,000 13
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When Can I Retire?62
Congrats, you can retire at 62 and live off your portfolio!
\$ 638,811 \$ 31,941 \$ 25,000 14
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\$ 705,751 \$ 35,288 \$ 25,000 15
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\$ 776,039 \$ 38,802 \$ 25,000 16
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\$ 849,841 \$ 42,492 \$ 25,000 17
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Resources \$ 927,333 \$ 46,367 \$ 25,000 18
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Personal CapitalThe first step in securing your financial future is to sign up with Personal Capital. It's a completely free tool that I recommend to everyone. \$ 1,008,700 \$ 50,435 \$ 25,000 19
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LendingTreeI believe that retirees SHOULD carry a mortgage in retirement to optimize their finances. Make banks compete for your business so that you can get the best rate. \$ 1,094,135 \$ 54,707 \$ 25,000 20
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RealtySharesThe best real estate investment option in 2017. \$ 1,183,841 \$ 59,192 \$ 25,000 21
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\$ 1,278,033 \$ 63,902 \$ 25,000 22
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\$ 1,376,935 \$ 68,847 \$ 25,000 23
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\$ 1,480,782 \$ 74,039 \$ 25,000 24
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For more information, you can email me at matt@optimizeyourretirement.com or see the associated post: \$ 1,589,821 \$ 79,491 \$ 25,000 25
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\$ 1,704,312 \$ 85,216 \$ 25,000 26
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\$ 1,824,528 \$ 91,226 \$ 25,000 27
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www.optimizeyourretirement.com/when-can-i-retire \$ 1,950,754 \$ 97,538 \$ 25,000 28
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\$ 2,083,292 \$ 104,165 \$ 25,000 29
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\$ 2,222,456 \$ 111,123 \$ 25,000 30
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\$ 2,368,579 \$ 118,429 \$ 25,000 31
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\$ 2,522,008 \$ 126,100 \$ 25,000 32
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\$ 2,683,108 \$ 134,155 \$ 25,000 33
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\$ 2,852,264 \$ 142,613 \$ 25,000 34
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\$ 3,029,877 \$ 151,494 \$ 25,000 35
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\$ 3,216,371 \$ 160,819 \$ 25,000 36
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\$ 3,412,189 \$ 170,609 \$ 25,000 37
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\$ 3,617,799 \$ 180,890 \$ 25,000 38
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\$ 3,833,689 \$ 191,684 \$ 25,000 39
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\$ 4,060,373 \$ 203,019 \$ 25,000 40
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\$ 4,298,392 \$ 214,920 \$ 25,000 41
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\$ 4,548,312 \$ 227,416 \$ 25,000 42
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\$ 4,810,727 \$ 240,536 \$ 25,000 43
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\$ 5,086,264 \$ 254,313 \$ 25,000 44
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\$ 5,375,577 \$ 268,779 \$ 25,000 45
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\$ 5,679,356 \$ 283,968 \$ 25,000 46
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\$ 5,998,323 \$ 299,916 \$ 25,000 47
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\$ 6,333,239 \$ 316,662 \$ 25,000 48
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\$ 6,684,901 \$ 334,245 \$ 25,000 49
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\$ 7,054,147 \$ 352,707 \$ 25,000 50
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\$ 7,441,854 \$ 372,093 \$ 25,000 51
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\$ 7,848,947 \$ 392,447 \$ 25,000 52
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\$ 8,276,394 \$ 413,820 \$ 25,000 53
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\$ 8,725,214 \$ 436,261 \$ 25,000 54
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\$ 9,196,474 \$ 459,824 \$ 25,000 55
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\$ 9,691,298 \$ 484,565 \$ 25,000 56
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\$ 10,210,863 \$ 510,543 \$ 25,000 57
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\$ 10,756,406 \$ 537,820 \$ 25,000 58
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\$ 11,329,226 \$ 566,461 \$ 25,000 59
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\$ 11,930,688 \$ 596,534 \$ 25,000 60
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\$ 12,562,222 \$ 628,111 \$ 25,000 61
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\$ 13,225,333 \$ 661,267 \$ 25,000 62
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\$ 13,921,600 \$ 696,080 \$ 25,000 63
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\$ 14,652,680 \$ 732,634 \$ 25,000 64
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\$ 15,420,314 \$ 771,016 \$ 25,000 65
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\$ 16,226,329 \$ 811,316 \$ 25,000 66
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\$ 17,072,646 \$ 853,632 \$ 25,000 67
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\$ 17,961,278 \$ 898,064 \$ 25,000 68
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