When can I retire?
Five inputs, an instant answer. Drag the sliders and watch the year you can retire move.
Your inputs
Your answer
You hit your number in
29 years
That's the year 2055, when you're 64.
This is a one-line projection.
Real retirement math has tax brackets, Social Security, real-estate equity, debts, healthcare, RMDs, and Monte Carlo uncertainty. Granary models all of that.
Get the full picture →How this calculator works
We project your savings forward month by month using the contribution and return rate you set. Each month, the existing portfolio grows by 1/12 of the annual return, and your contribution gets added on top. We stop projecting when the portfolio hits your target — the amount you can withdraw from at your safe withdrawal rate without running out.
Target portfolio = annual spending ÷ withdrawal rate. If you spend $5,000/month ($60,000/year) and use a 4% safe withdrawal rate, you need $1,500,000 invested. The 4% rule comes from the Trinity Study (Cooley, Hubbard, Walz, 1998) which found that a 4% initial withdrawal, adjusted for inflation, survived 30 years in 95%+ of historical scenarios.
What this calculator doesn't model
- Taxes. The big one. Roth and traditional accounts have very different effective spend rates because of how withdrawals are taxed.
- Social Security. $2-4k/month of inflation-adjusted income meaningfully shifts your number.
- Real estate equity. Your home isn't in this calculation, but it counts toward net worth.
- Inflation. Our number assumes today's dollars throughout. Real markets need 2-3% real returns above inflation, not nominal.
- Sequence-of-returns risk. A bad first decade hits much harder than a bad later decade. Monte Carlo simulation captures this; a single line doesn't.
- Health costs. Medicare doesn't cover everything; LTC at 80+ can be $10k/month.
Granary models all of these. If your number here looks scary or optimistic, the most useful next step is the full-app projection that accounts for the variables this page can't.