Free tool · Conservative estimate

When can you confidently retire?

Find your earliest retirement age

Adjust the inputs to see the earliest age you could retire and still reach 90 on a conservative market.

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Monthly benefit
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Claiming age

Not sure? Check your estimate at ssa.gov. A common range is $2,000–$3,000/mo per person.

You can retire at
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How is this calculated?
  • From today until you retire, it grows your savings and adds your yearly contributions, all at 3% a year above inflation, the worst 30-year real return US stocks have delivered since 1871, not the ~6.5% median.
  • After you retire, it withdraws your spending (grossed up for taxes at a blended ~12% rate), adds Social Security once you claim it, and keeps growing what's left at that same conservative return.
  • Your retirement age is the earliest age where the money still reaches age 90 on that worst-case return. Retire earlier and it runs short; this is the floor.
This is a deliberately conservative estimate on a single worst-case return path. The full app goes further still, adding your real tax brackets and year-by-year healthcare costs. See everything the app models →
This estimate uses a flat 3% real return (the worst 30-year stretch US stocks have ever delivered), a blended ~12% tax rate, and plans to age 90. It doesn't use your real tax brackets or your healthcare costs. Lumifin runs the full conservative engine (per-account modeling, real year-by-year taxes, and healthcare costs) to pin down the age you can confidently retire. Model your full picture in Lumifin →

Could you retire sooner than you think?

The app runs your real taxes, healthcare, and withdrawal order to find the earliest age you can confidently retire.

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