When Can I Retire?

Use this calculator to estimate the earliest age you could retire based on your savings, spending, and investment growth.
All spending and savings amounts should be entered as yearly amounts (per year).

Current Age

Annual Retirement Spending ($)

Total yearly spending in retirement excluding housing costs. Enter annual amounts, not weekly or monthly.

Super Balance ($ Total)

Savings outside of Super ($ Total)

Cash, shares, ETFs, or other investments outside super.

Annual Savings While Working ($ per year)

How much can you plan to invest each year going forward?

Retirement Housing Cost
($ per year)

Includes rent, mortgage, or ongoing housing costs. Enter 0 if your home is fully paid off.

Investment Return (%)

Long-term average real return is ~7% (after inflation).

Preservation Age

Earliest access to super in Australia is 60.

Age you want your money to last until

Calculate My Retirement Age

Your Estimated Retirement Age

Years Until Retirement

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When Can I Retire?

This retirement calculator estimates the earliest age you could retire based on your savings, spending and investment growth. It models how your superannuation and savings outside super could grow each year and calculates when those funds could support your retirement spending. Unlike many retirement calculators, this tool allows you to include:
• superannuation balances
• investments outside super
• annual savings while working
• housing costs in retirement
• expected investment returns
• how long you want your money to last
All calculations are performed using real (inflation-adjusted) returns so the results are shown in today's dollars.

How this retirement calculator works

The calculator tests each possible retirement age starting from your current age. For each year it simulates:
• contributions while you are still working
• withdrawals once you retire
• investment growth on remaining balances
• when superannuation becomes accessible.
The earliest age where your money lasts until your chosen end age is shown as your estimated retirement age.