When Can I Retire? Calculate by Your Age

Here's how to figure out when you're ready to take the retirement leap.

By Christy Bieber – Updated Jan 1, 2026 at 1:08 AM EST

Key Points

To decide when to retire, identify income sources and make sure they will meet your financial needs.
Most people need to replace 80% of pre-retirement income when they retire, but estimates should be adjusted based on your lifestyle.
Your Social Security benefits will help support you as a retiree, but usually can't be your only income source.

You can choose to retire whenever you want. However, considering what your finances will look like after you retire is a smart way to approach your decision.

With that in mind, here's a guide to some of the biggest concerns to keep in mind as you decide when you'll be able to comfortably retire.

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Two people reviewing finances on tablet. — Image source: Getty Images.

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How Much Do I Need to Retire Comfortably?

The end of work doesn't mean the bills stop. How much should you save for a great retirement?

A Complete Guide to Maximizing Your Social Security Check

Learning how to maximize your Social Security can make a big difference in your retirement. Here's what you need to know.

What Is the 4% Rule?

The 4% retirement rule is simple but no guarantee of comfort in your old age.

Understanding Taxation of Your Retirement Income

Just because you're retired doesn't mean you're living tax-free.

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FAQs: When can I retire?

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About the Author

Christy Bieber is a contributing Motley Fool retirement and Social Security expert covering retirement planning, 401(k)s, IRAs, and other personal finance topics. Christy has written about finance since 2008 and previously taught business courses at Bryant & Stratton College. She holds a law degree from UCLA and a bachelor’s degree in English, media, and communication with a certificate in business management from the University of Rochester. In law school, she earned three CALI Awards for Excellence for the highest scores in civil procedure and contract law exams.

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