Quantify your horizon. Our deterministic model estimates exactly how many years remain until your assets can generate enough income to replace your current lifestyle.
AdSense/YMYL Safety Notice: This tool is an educational estimation engine. It is not an investment or retirement advisory service. It uses static assumptions for growth and inflation and does not predict future market outcomes or specific longevity.
Include rent/mortgage, taxes, and living costs.
Average is 70-85% for lifestyle parity.
Based on your government benefit estimate.
The number of years you have left until retirement is not determined by your age or the government. It is determined by the relationship between your Savings Rate and your Annual Expenses.
Every dollar you don't spend is twice as valuable: it's a dollar that doesn't need replacing, and a dollar that fuels the compounding engine today.
The "Time to Retirement" is highly sensitive to the percentage of your income that you save.
| Savings Rate | Time to Goal (from $0) | Career Outcome |
|---|---|---|
| 10% | ~50 Years | Standard corporate horizon. |
| 25% | ~32 Years | Significant early exit potential. |
| 50% | ~17 Years | Highly accelerated independence. |
If you want to move your retirement date closer, you have two primary levers:
Lowering your retirement expenses reduces the total capital required, often shaving years off the timeline instantly.
Increasing your monthly deposit increases both principal and compounding velocity.