Earliest retirement date by age, savings and spending.

What is the earliest retirement month for my age, savings and spending?

Age 55

9 of 30 combinations already clear 90% today.

Age 58

10 of 30 combinations already clear 90% today.

Age 60

12 of 30 combinations already clear 90% today.

Age 62

12 of 30 combinations already clear 90% today.

Age 65

12 of 30 combinations already clear 90% today.

From the free retirement countdown calculator's engine, 400 simulated market histories for every year the household could retire. Illustrations of one engine's output, not forecasts or recommendations.

How much can I spend and still retire today?

The most yearly spending that still gives a 90% chance the money lasts to 95 if you stop now, rounded down to $1,000, with the share of savings it represents in brackets. It rises with age because there are fewer years to fund and Social Security and Medicare are closer. From $750,000 up it falls as savings rise, because the same Social Security benefit is a smaller share of a bigger plan.

Includes federal tax, the 10% early-withdrawal tax on pre-tax money before 59½, Medicare and pre-65 health costs, required distributions and a long-term-care cost late in life. The safe withdrawal rate post explains why a single percentage cannot fit every age.

What does more certainty cost in time?

The tables use 90%. For $1,000,000 saved and $60,000 spent a year, here is the earliest month at 85%, 90% and 95%, by age. The gap between them is the cost of certainty in time; the calculator post shows which inputs move it most.

What does this table assume and leave out?

• One person, filing single, planning to age 95, adding no more savings.
• The money is split 60% traditional (pre-tax), 15% Roth, 20% taxable and 5% cash, invested 60% in stocks.
• Social Security is claimed at 67 at the average benefit, $2,170 a month.
• Left out: state tax, a spouse, pensions, rental income, your home and debts, Roth conversions, and exceptions to the early-withdrawal tax such as the Rule of 55 or 72(t).
• Dates after 75 are shown as "After 75"; the CSV keeps the engine's month.

A spouse, a pension, part-time work or a different account mix can move your date well away from the nearest cell. Enter your own numbers in the calculator, or model every account in the full planner. Educational only, not tax, legal or financial advice.

Methodology: how were these numbers calculated?

Each cell is one run of the engine behind the free countdown calculator (engine/countdown_lite.py): for every year the household could retire, from this year on, it simulates 400 market histories with a fixed seed, pays the spending from the accounts in a tax-aware order, adds Social Security and health costs, and counts how often the money lasts to age 95. The earliest month where that chance reaches 90% is the cell, found by drawing a straight line between each year's chance and rounding up to a month. The "most you can spend" table searches spending in $500 steps for the highest amount whose 90% month is today. As of 2026-10-31.

What the table assumes and leaves out is listed once, in the section above.

Inputs and limits

The grid covers ages 55, 58, 60, 62, 65; savings of $500,000, $750,000, $1,000,000, $1,500,000, $2,000,000, $3,000,000; and yearly spending of $40,000, $60,000, $80,000, $100,000, $120,000: 150 households. Each is a round-number case, and a household between two cells is between their dates.

Worked example

A 60-year-old single person with $1,000,000 saved and $60,000 a year spent, as of October 31, 2026:

• Earliest month at 85%: January 2029.
• Earliest month at 90%: April 2030.
• Earliest month at 95%: April 2032.
• Most that person could spend and still retire today at 90%: $50,000 a year, 5.0% of savings.
• At $40,000 a year, the same household already clears 90% today.

"Now" means the household already clears 90% today. "After 75" means the engine only reaches 90% after age 75, which is not a retirement date; the CSV keeps the engine's month.

Two dates on this page

The tables are as of 2026-10-31: dates are counted from that day and move at each monthly rebuild, which is a manual script, not automatic. The months can also shift slightly between builds because each cell is a rough run (400 simulated histories a year, against the planner's 2,000). A rebuild moves that as-of date; the review date below moves only when the methodology is re-checked.

The data is free to use with a link back, under the Creative Commons Attribution 4.0 license. Downloads: Earliest month by age, savings and spending (CSV) · Most yearly spending that supports retiring today (CSV).

To cite this data: Runway Retirement, "Earliest retirement date by age, savings and spending," runwayretirement.com/tools/retirement-date-grid.html, as of 2026-10-31. The dates move every month, so please name the as-of date.

Methodology last reviewed: November 2, 2026. This date moves only when the methodology is checked against the live data again, not when the page is rebuilt.

Frequently asked questions

Can I retire at 60 with $1 million?

It depends on spending. As of October 31, 2026, for a 60-year-old who adds nothing more, $1,000,000 saved and $40,000 spent a year already clears 90% today; $60,000 a year reaches 90% in Apr 2030; $80,000 a year reaches 90% in Jan 2037. The most that person could spend and still retire today at a 90% chance is $50,000 a year (5.0% of savings).

Can I retire at 55 with $2 million?

As of October 31, 2026, for a 55-year-old who adds nothing more, $2,000,000 saved and $80,000 spent a year reaches 90% in Dec 2026, and $100,000 a year reaches 90% in Jun 2031. The most that person could spend and still retire today at 90% is $79,000 a year (4.0% of savings). Retiring this early means more years to fund and the 10% early-withdrawal tax on pre-tax money before 59½, which the engine includes.

How much can I spend if I retire at 62 with $1.5 million?

As of October 31, 2026, the most a 62-year-old with $1,500,000 saved could spend a year and still have a 90% chance the money lasts to 95 if retiring today is $73,000 (4.9% of savings), counting Social Security at the average benefit of $2,170 a month from 67.

Why does the same savings support a higher withdrawal rate at 65 than at 55?

Fewer years to fund. A 55-year-old needs the money to last to 95, 40 years; a 65-year-old needs 30, with Social Security and Medicare closer. In this table $1,000,000 supports 4.4% at 55, 5.0% at 60 and 5.7% at 65.

How often is this table updated?

Monthly. Every date is counted from the day the table is built, October 31, 2026, so each refresh reruns the engine and moves the dates. The last-updated date at the top shows which version you are reading.

Is this a recommendation?

No. It is an educational illustration of one engine's output for round-number households, not tax, legal or financial advice. Your own accounts, taxes, spouse, state and Social Security change the answer, which is what the free countdown calculator and the full planner are for.