I'm in my thirties, I work a normal job, and I'd rather not be working it at 67. This is the retirement calculator I built for myself while trying to figure out how to get out early.
For a couple of years now I've been reading about early retirement in my spare time, running my own numbers, tweaking a spreadsheet that slowly got out of hand. Most of the calculators I tried along the way gave me one confident number and waved off everything that decides whether that number actually holds: taxes, the order the market hands you its good and bad years, what happens if you want out well before 59½. So I built the version I wanted, and put it here in case it's useful to anyone else in the same boat.
I'm not a financial advisor and I'm not selling anything. No ads, no upsell, no newsletter waiting to pounce. The whole methodology is written out on the calculator page so you can check my work instead of taking it on faith.
It needs a caveat, so here it is: nothing tied to the stock market is truly risk-free, and I'm not going to pretend mine is. "Zero risk" is the goal, not a promise. Most retirement plans are built to slowly spend down your savings and hope they last. I wanted the opposite kind of plan, where you live off a small enough slice that the principal holds or even keeps growing, and you keep a pile of cash so a bad year doesn't force you to sell at the bottom. The aim is to take the scariest risk off the table, which is running out of money. That's a lower-risk retirement, not a magic one.
The headline answer is your earliest retirement age and the portfolio you need to get there. Underneath that, a few things it actually accounts for:
If you want the reasoning, I wrote it up: how much you actually need and the 4% rule, why the order of returns can sink a plan, and how the simulation works under the hood.
It's free, and I'd like to keep it clean. There are no trackers, no analytics, and no account to make. Your numbers never leave your browser, and a share link carries them inside the link itself rather than on any server of mine. The full version is on the privacy page. There are no affiliate or sponsored links on the site right now; if that ever changes I'll say so plainly and label them.
This is a tool for thinking through the math, not personal financial advice. It can't see your whole situation, and the future won't copy the past exactly. Use it as a solid starting point, and for anything that really matters talk to a fee-only fiduciary CFP who can look at your specifics. If something here looks wrong, I'd actually like to know — get in touch.
Open the calculatorNot financial advice. Consult a fee-only fiduciary CFP for personalized guidance. Tax figures use 2026 brackets.