Early retirement planning

Financial Independence Calculator

Find your target number and see whether your accessible savings can cover the years before you tap retirement accounts.

Timeline and spending

Current age

Age you want work to become optional

Plan through age

Annual spending after taxes

Use today's dollars and include the taxes and local costs you expect to pay.

Assets and saving

Savings you can access anytime

Cash and taxable investments you could use before retirement accounts.

Retirement account balance

Monthly savings

Do not add payroll contributions again if already represented elsewhere.

Age you plan to use retirement accounts

Annual return assumption

Annual fees

Enter zero if none.

Annual inflation

Planning withdrawal rate

This is not a guaranteed safe rate.

Later income and health coverage

Include a net Social Security estimateInclude other net incomeFor a pension, annuity, rental income or part-time work.Add health insurance costs before MedicareEnter your own monthly out-of-pocket estimate.

We do not determine Social Security eligibility, Medicare costs, early-withdrawal exceptions, taxes or required minimum distributions.

Results

Enter your ages, annual spending, savings and investment assumptions to build the plan.