Retirement Age Calculator
Enter a birth date and target retirement age to see how long until you get there and when you reach your Social Security full retirement age. Optionally add savings to see a simple projection at a return rate you choose — an illustration, not a forecast.
Before you start
Method : Calendar dates, SSA's full-retirement-age table and a standard compound-growth formula.
Checked : FRA boundaries (incl. January 1) and projection formula tested with hand-worked, zero and negative-growth cases; U.S. rules checked 2026-10-05.
Review : not reviewed by SSA or a licensed financial adviser. Educational only — not financial advice.
Your entries stay in this browser tab; nothing is sent or stored.
How to Use This Calculator
- Enter the birth date and target retirement age.
- Optionally add current savings, monthly saving and an assumed yearly return.
- Press Calculate.
Methodology & assumptions
Retirement date = birth date + target age in years (Feb 29 → Feb 28). Time remaining is in calendar years and months from today. Full retirement age follows SSA's birth-year table.
Projection: FV = S × (1 + i)n + M × ((1 + i)n − 1) ÷ i (FV = S + M × n when i = 0), with i = yearly return ÷ 12, n = whole months to retirement, deposits at each month-end. Today's money = FV ÷ (1 + inflation)n/12. After tax = × (1 − tax rate). Negative returns are allowed.
U.S. full-retirement-age rule checked 2026-10-05. Canada note: Standard age 65. Before 65: −0.6% a month (−36% at 60). After 65: +0.7% a month (+42% at 70). Quebec (QPP) and Old Age Security (OAS) use different rules.
Worked examples
Born January 1, 1960: SSA uses 1959, so full retirement age is 66 and 10 months. Born January 2, 1960: 67.
$0 saved, $100 a month for 12 months at 6%: i = 0.005; 100 × (1.005¹² − 1) ÷ 0.005 = $1,233.56; with 3% inflation that is $1,197.63 in today's money.
$10,000 saved plus $500 a month for 20 years at 5%, 2.5% inflation: $130,000 paid in grows to $232,643 future dollars, about $141,975 in today's money.
Zero and negative growth: $100 a month for 10 years at 0% = $12,000; $1,000 for a year at −12% = $886.38.
Understanding your result
Use the projection to compare scenarios, not as a promise. Check your actual Social Security estimate at ssa.gov.
Sources & further reading
- Social Security Administration. Retirement Age Calculator.Birth-year table and January 1 rule.
- Government of Canada. CPP retirement pension: when to start your pension.
- U.S. SEC Investor.gov. Compound Interest Calculator.Official tool to cross-check projections.
Frequently Asked Questions
Related Age Calculators
Social Security Break-Even Calculator
Break-even age between claiming ages for U.S. Social Security or Canada CPP, total and present value
Financial Habits Checklist
Checklist of six money basics; no income or net worth asked, not a financial age
Québec Pension Plan (QPP) Calculator
Compare QPP start ages 60–72: total-benefit and present-value break-even
QPP Survivor Pension Calculator
Québec surviving spouse's pension: eligibility tests and how household income may change
Explore more tools in this category
Browse All Retirement & Career Calculators