2025 regulations · Real-time · Privacy-first · No sign-up

Should I Quit
Now?

Drag a slider, watch every chart update instantly.
Your real retirement date — no fluff, no sign-up.

— Earliest retirement age
— Monthly at target age
— Readiness score
— Nest egg at retirement
Start Planning
United States · 2025 Social Security, 401(k), IRA & Medicare rules loaded Last synced: May 10, 2025
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Earliest retirement
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Monthly income
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Nest egg at target
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vs your goal
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Portfolio lasts
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Readiness score

⏰ When Can You Quit?

Earliest retirement age vs income goal. Bands = ±1–2% return scenarios.

Calculating…

📈 How Your Wealth Grows

Portfolio over time with ±1–2% sensitivity bands. ▼ = your retirement date.

Calculating…

💰 How Much Per Month?

Monthly income stack by age. Dashed red = your goal. Green band = inflation range.

Calculating…

🏛️ Social Security: 62 vs FRA vs 70?

Cumulative lifetime benefit by claim age. Crossing lines = break-even age.

Claim at 62
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/mo · reduced
FRA (67)
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/mo · full
Claim at 70
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/mo · max
Calculating…

🔭 Retire at Different Ages — Side by Side

Bars = monthly income · Purple line = nest egg size · Colour = on-track status

AgeSoc. SecurityNest Egg Portfolio DrawTotal/mo vs TargetLasts UntilStatus
Calculating…

🎯 Retirement Readiness Score

An honest snapshot of where you stand across five key dimensions.

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Key Numbers to Know

Based on your mode & 2025 data

Retirement Questions, Plain-English Answers

The classic rule of thumb: 25× your annual expenses — the "4% rule." If you spend $60,000/year, you need ~$1.5 million. But everyone's number is different. This tool calculates your personal target based on your real inputs, life expectancy, and income sources.

Claiming at 62 gives you money sooner but 25–30% less per month, forever. Waiting to 70 gives you up to 32% more per month than FRA. If you're healthy and expect to live past 80, waiting wins. The SS chart above shows your personal break-even age.

Researcher William Bengen found in 1994 that retirees who withdraw 4% of their portfolio per year (adjusted for inflation) historically never ran out of money over 30 years. It's not perfect, but it's the gold-standard starting point. This calculator uses it automatically.

401(k): Employer-sponsored, higher limits ($23,500/yr in 2025), often with employer match — always contribute enough to get the full match first. IRA: Individual account you open yourself, lower limit ($7,000/yr), more investment choices. Both grow tax-advantaged.

FRA is the age at which you receive 100% of your Social Security benefit. For anyone born in 1960 or later, FRA is 67. For those born 1943–1954, it's 66. Claiming before FRA permanently reduces your benefit; claiming after increases it.

Generic mode strips out US-specific rules (SS, 401k, Medicare) and gives you a universal investment-only calculator. It uses the 4% safe withdrawal rule and a single combined savings pool — perfect for anyone outside the US, or anyone who wants a simpler view.

Everything runs in your browser — nothing is sent to any server. Your numbers never leave your device. No login, no email, no tracking of personal financial data. Refresh the page and it's gone.

It's a planning tool, not financial advice. The calculations use standard financial formulas — compound growth, the 4% rule, actual 2025 Social Security bend points and FRA rules. For personalized advice, consult a fee-only Certified Financial Planner (CFP).