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Analytic Early Retirement Calculator

Investing Retirement Early-Retirement Interactive
Ryan Gibson
Ryan Gibson
Quantitative Analyst | Computer Scientist
Table of Contents

When can I retire? Calculating time, savings, and portfolio

The output should be written here, but perhaps you have JavaScript disabled?

The key thing to notice here is that your savings rate is far more important for an early retirement than your return on investment. Every cut to your expenses has a dual impact – it increases the amount of money you are saving for your future and reduces the amount of money you’ll need in retirement.

A plot entitled "Years until retirement vs. savings rate, current portfolio of $0" that shows that the time until
retirement decreases very sharply as your savings rate increases.
A depiction of retirement timelines across various savings rates, assuming an initial portfolio value of $0. The bold line represents a 5% annual return and 4% withdrawal rate, while the shaded area reflects a spectrum of conservative to aggressive scenarios. An animated version for various initial portfolios is available on YouTube.


All values above are presented in today’s dollars (i.e., they reflect current purchasing power) and the calculations assume

  • Your “current income” is post-tax.
  • Your cost of living (income minus savings) remains steady, adjusted for inflation.
  • Your “annual savings” are continuously invested.
  • The “annual return on investment” is after taxes and inflation.
  • Your goal is to retire indefinitely (i.e., your net worth in retirement will never shrink).

See also and references