How early can I retire?

If early retirement is your goal, this tool will help you find out at what age you'll be able to achieve it. It uses a set of parameters that you can personalize according to your situation and gives you an idea of how your net-worth will change over time.

Note: This tool doesn't send any of your data over the wire and runs completely on your machine. This way your privacy is guaranteed.

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Before Retirement

$
The amount of money you make per year. Do not include return on investment here.
$
Amount of your expenses every year. Tracking your expenses is an important step towards early retirement. There are many good tools to do it. Some of our favorites are Mint and YNAB.
$
The amount of your current portfolio stash across all your accounts.
%
The estimated return on investment (RoI) in percentage of your principal. Average across all your investments. E.g. if you have $50k saved but only $25k invested with a return of 8%, your RoI should be 4%. A reasonable RoI historically on invested value (on broad market) has been 8%, a more conservative is 5%. Please use percentage not rates. A 5% return should be indicated as 5.

After Retirement

$
Amount of your expenses every year during your retirement. Expenses often go down during retirement, but it depends on your situation. For example, if you are planning that big home renovation, you should include here your expenses amortized over your retirement period. It is similar if you plan to have a baby. Tracking your expenses is an important step towards early retirement. There are many good tools to do it. Some of our favorites are Mint and YNAB.
$
Retirement does not have to be the end of your active work life. Add here anything you expect to make after you retire. Do not include return on investment here, but just active income.
%
The estimated return on investment (RoI) in percentage of your principal. In general the return on investment tends to reduce post retirement because most people tend to be more conservative with their investments after they retire. Average across all your investments. E.g. if you have $50k saved but only $25k invested with a return of 8%, your RoI should be 4%. A reasonable RoI historically on invested value (on broad market) post-retirement has been 5%, a more conservative is 3%. Please use percentage not rates. A 5% return should be indicated as 5.

Life Facts

Your age, right now.
May you live a long happy life, but it has to happen to everyone at one point. You can rationally estimate it using the average life expectancy of your country. You can use Worldometer. A good rule of thumb, if you want to be conservative, would be to add a 20% on top.

Additional Scenarios

This tool will automatically compute two scenarios for your retirement. A minimal age for retirement (guarantees money at end of life) and an ideal retirement (which guarantees growth post retirement). You can add additional ages for retirement here to see how those scenarios would look like. This field should be a comma-separated list of numbers (ages) for which you want to see how your retirement would pan out.