What age can I retire?

You add each year until you stop. In today’s dollars.

Growth a year above inflation until you stop. One steady rate you choose.

Spending a year in retirement. In today’s dollars. It rises with prices.

Other income a year once retired. A pension, for example, in today’s dollars.

Social Security. A maximum earner has paid in at the earnings cap for 35 years: US$4,152 a month at full age in 2026.

Your check at full retirement age, a month. From your statement at ssa.gov: the amount at your full retirement age, which is worked out from your age (66 and 2 months to 66 and 10 months if you were born 1955 to 1959, 67 from 1960).

Age you start Social Security. Starting before your full retirement age (67 for most) pays less each month; after it pays more.

Payments after the fund runs short. The 2026 Trustees Report.

Mix in retirement. Stocks and 10-year Treasury bonds, reset every year.

Share of past start years that must last. A start year is a year you could have retired in.

Every stop-work age. Today’s dollars. First-year draw is the share of savings taken out in the first year. Needed for your bar is the savings that would have been enough in 90% of past start years.

Stopping at 62 and five years later. No taxes or fees, and spending stays the same in today’s dollars. Care costs and moves between currencies are not included.

How often the money lasted, by stop-work age. The brighter bar is the earliest age that meets your bar. Years overlap, so the start years are not separate tests.