Retirement Age Calculator

Rule of thumb: 25–30x annual expenses (4% safe withdrawal rule). If spending $50k/year, need $1.25M–1.5M. Adjust for health, life expectancy, inflation.

Yes, if you have sufficient savings and low spending. FIRE (Financial Independence, Retire Early): $1M target. But healthcare costs, inflation over 40-year retirement are big risks.

62 = 70% benefit (immediate); 67 = 100%; 70 = 124–130%. Longevity bet: live past 80? Delay claiming. Live to 75? Claim early. High earners often delay.