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Can I retire at 60?
Compare what your savings could grow to by the age you choose with the nest egg you would need, in today's money and in your own currency.
Can you retire at 60?
Not with these inputs
$103,355 still to cover, in today's money
- Projected savings at 60 (today's money)
- $626,645
- Nest egg needed at 60 (today's money)
- $730,000
- Earliest age it works
- 63
Your $250,000 plus $15,000 a year could grow to $626,645 in today's money by age 60 (15 years at a real return of 2.44% a year). The nest egg needed is $625,000 for spending of $40,000 minus $15,000 other income at a 4.0% withdrawal rate, plus $105,000 to bridge the 7 years until your other income starts at 67.
Educational estimate only – not financial, tax or legal advice. Results depend on your inputs and the assumptions shown below, are not guaranteed, and may use figures that are out of date. Check the official sources yourself and consider a licensed professional before you decide. Full disclaimer
General information only. It does not take into account your objectives, financial situation or needs; consider whether it is appropriate for you and read the PDS and TMD before acquiring a financial product.
How it works
Everything is in today's money, so you can compare the numbers with what things cost now.
Projected savings = savings × (1 + real return)n + yearly savings × ((1 + real return)n − 1) ÷ real return
Here n is the number of years until you retire and the real return is (1 + return) ÷ (1 + inflation) − 1.
Nest egg needed = (yearly spending − other income) ÷ withdrawal rate + bridge
The first part is the same formula as How much do I need?. The bridge is the other income you miss if you retire before it starts: other income × years until it starts. If the projected savings are at least the nest egg needed, the answer is yes. The earliest age is the first whole age at which that is true, with all other inputs unchanged.
Assumptions
- One steady return and one steady inflation rate for every year. Real markets go up and down, and the order of good and bad years matters; this is not modelled here.
- The return is nominal (before inflation) and should already be after fees.
- Your yearly savings rise with inflation and are added at the end of each year.
- Spending and other income rise with inflation (many state pensions do, not all).
- The bridge is a simple sum in today's money, with no investment growth on that money, which is cautious. During the bridge years your savings pay all of your spending.
- The withdrawal rate is a rule of thumb from historical US studies of 30-year retirements, not a guarantee. Retiring earlier means a longer retirement.
- Taxes are not included. If you pay them from your savings, add them to your spending.
- Not a forecast. The result is a what-if calculation from the numbers you enter. It does not predict future returns, inflation or when you can actually retire.
- This is a planning estimate, not a guarantee and not personal advice.
Last reviewed: 2026-10-17. See our methodology and disclaimer. To see how long a nest egg could last once you retire, try How long will my money last?
FAQ
How does this calculator decide if I can retire at an age?
It compares two numbers in today's money: what your savings could grow to by that age, and the nest egg needed at that age. The nest egg is your yearly spending minus other income, divided by the withdrawal rate (the same formula as "How much do I need?"), plus a bridge if your other income starts later.
What is the bridge?
If you retire before your state pension or Social Security starts, your savings also cover that income for the years in between. The calculator adds those missing years as a simple sum in today's money, with no investment growth on that money, which keeps the estimate cautious. In the example, that is $15,000 × 7 years = $105,000. During those years your savings pay all of your spending, so more than the withdrawal rate comes out of savings at first.
What does "earliest age" mean?
It is the first whole age, from your current age up to 100, at which the projected savings reach the nest egg needed at that age, with all other inputs unchanged.
What return and inflation should I use?
We can't tell you which figures fit your situation. The defaults are example assumptions, not a forecast. Try a few combinations to see how sensitive the result is.
Do my yearly savings rise with inflation?
Yes. The calculator assumes you save the same amount in today's money every year, added at the end of each year. If your savings stay a fixed amount that does not grow, a slightly lower figure is the closer input.
Does this account for taxes, fees and market falls?
No. It uses one steady return and one steady inflation rate and ignores taxes. Enter a return after fees. Real returns go up and down, and a run of poor years can change the result.
Can I enter monthly amounts?
The calculator uses yearly amounts only. If you think in months, multiply your monthly savings, spending and income by 12 before entering them.
Does this calculator store my data?
No. Everything is computed in your browser. What you type is not sent or stored, not even in your browser's local storage.
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