When Can I Retire?

Analyze your retirement transition & tax-free readiness in under 2 minutes.

55
65
Target retirement age must be older than your current age.
Total gross annual income for the household.
These funds are subject to regular income taxes when withdrawn.
These funds can be withdrawn 100% tax-free in retirement.
Ongoing pre-tax contributions into 401(k) / Traditional IRA.
Ongoing tax-free contributions into Roth 401(k) / Roth IRA.
Combined ongoing annual savings cannot exceed your gross household income.
Consider food, entertainment, travel, housing, and healthcare costs. Loading target projections...
Average combined monthly benefit for a couple is ~$3,300. Milestones: Low-income couples average $2,000-$3,000/mo; middle-income couples average $3,000-$4,800/mo; high-earning couples max out near $7,800/mo in 2026.
Include military retirement, corporate monthly pensions, or annuities.
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85%
Simulation Success Rate

Outcome Status

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$78,000
Target Annual Lifestyle
38%
Offset by Social Security
$2,340
Estimated Annual Tax Savings
Estimated Tax Savings: Pre-tax Traditional withdrawals are subject to your Retirement Tax Rate (e.g. 15%), whereas Roth withdrawals are 100% tax-free. Based on your projected asset ratios at retirement, tax-free Roth withdrawals are estimated to save you this amount in annual taxes compared to withdrawing the same cash flow entirely from a Traditional account.

Stochastic Projections (Age 55 to 95)

90th Percentile
Median (50th)
10th Percentile
Timeline & Profile
Financial Foundation & Savings
Retirement Need & Income Offsets
Market Projections & Tax Assumptions
Assumptions: Calculations run 500 trials utilizing standard Box-Muller normal returns. Pre-retirement savings, lifestyle needs, and offsets grow annually at the set inflation rate. Post-retirement savings drop to $0. Roth savings are modeled as 100% tax-free. Traditional withdrawals are grossed up to fund the tax liability based on the effective retirement tax rate, assuming your retirement need is a net (post-tax) cash flow requirement.
Disclosure: This illustration is hypothetical and does not represent the return on any particular investment. The rate is not guaranteed. Information and interactive calculators are made available to you as educational tools for your independent use and are not intended to provide financial planning or investment advice. These tools help you see which factors are most important to consider in making a particular financial decision, and they illustrate the relative impact of each factor on the projected outcome.
All examples in these tools are hypothetical and for illustrative purposes only. We cannot and do not guarantee the accuracy of the results or their applicability to your individual circumstances. It does not constitute financial, tax, or legal advice, nor does it guarantee future results or represent investment recommendations. All projections are stochastic models based on random variables and historical benchmarks. All investing is subject to risk, including the possible loss of the money you invest.