Early Retirement Calculator

You need enough to cover living expenses for 30–40+ years. Many planners use 25–30× annual spending as a starting portfolio target, then adjust for pensions, Social Security start age, healthcare before Medicare, and your risk tolerance.

It is possible with a very high savings rate, lower spending, and disciplined investing — but healthcare costs before Medicare and sequence-of-returns risk matter more. Use conservative return assumptions and build a cash buffer for the first years of retirement.

Fewer high-earning years and a longer benefit period can lower your primary insurance amount. Claiming before full retirement age reduces monthly benefits; delaying to 70 increases them. Model benefits separately from portfolio withdrawals for clearer planning.