Withdrawing 4% of the pot in the first year, then adjusting for inflation, has historically lasted 30 years. It is a guideline, not a guarantee.

Finance Retirement

Retirement age calculator

Age now

Target retirement age

Saved so far

Saving per month

Expected return

Years to go 25

From 42 to 67 at 5%

Months to go 300

Projected pot 749,997.7

Of which contributions 180,000

Income at 4% a year 29,999.91

Monthly income 2,499.99

Retirement age 67

4% withdrawal · constant-return projection

A projection at a constant return, which real markets do not provide. State pension age, tax treatment and access rules differ by country and change over time.

Years to retirement is simply the gap between your age and your target. What matters more is what the pot reaches: 120,000 now plus 600 a month at 5% over 25 years grows to about 763,000, supporting roughly 30,500 a year at a 4% withdrawal rate.

How to plan a retirement date

1 Enter your age now and the age you want to stop.

2 Add what you have saved and what you add monthly.

3 Use a realistic real return — 4 to 5% after inflation is a common assumption.

4 Compare the resulting income against what you actually spend now.

The number that decides everything is the gap between the income the pot supports and what you spend. Working two years longer helps three times over: two more years of contributions, two more years of growth, and two fewer years of drawdown to fund. That is why retirement dates are so sensitive to small changes in saving rate — and why the honest first question is not "when can I retire" but "what do I actually spend".

Questions

When can I retire? −

Whenever the pot supports your spending sustainably. Access rules set a floor, but the arithmetic sets the real answer.

What is the 4% rule? +

What return should I assume? +

Does working longer help much? +

Is state pension included? +

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