Free Retirement Timeline Calculator - When Can You Stop Working?
Project retirement savings needed and visualize how your investments grow toward retirement goals.
Formula & Methodology
Based on the famous Trinity Study, multiplying your annual expenses by 25 (which equals a 4% withdrawal rate) gives you a portfolio size that should statistically last 30+ years.
- Target = Annual Expenses / Safe Withdrawal Rate
Worked Example
Using the When Can I Stop Working?: apply the formula above to your input values. For instance, Target = Annual Expenses / Safe Withdrawal Rate. The tool performs each step instantly and shows the result.
Frequently Asked Questions
When can I afford to stop working?
It estimates the age or date your savings and investments can cover your expenses, based on your balance, contributions and returns.
What withdrawal rate is sustainable?
Many plans assume around 4% of the portfolio per year, adjusted for inflation, as a long-term sustainable rate.
How does saving more change my stop date?
Higher contributions and a bigger nest egg move your work-optional date earlier, and the tool shows the impact instantly.