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How Long Until Retirement?

📅 Updated March 2026🏖️ Personalized countdown📊 Days, weeks & months

Enter your date of birth and target retirement age to get an exact countdown — years, months, days, and working days remaining until you can leave the office for good.

Contents

  1. Calculator
  2. Retirement facts
  3. Retirement ages by country
  4. Related tools
  5. FAQ

Retirement Countdown Calculator

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💡 Curious how retirement fits into the bigger picture? See what percentage of your life you'll spend working, or check how many weekends you have left before you retire.

Retirement Facts

Retirement planning is one of the most consequential long-term decisions most people make. A few key facts from major financial and government sources:

Social Security retirement ages (US)

According to the Social Security Administration, the full retirement age in the United States is currently 67 for anyone born in 1960 or later. You can claim reduced benefits as early as age 62, but your monthly payment will be permanently reduced by up to 30%.

How long will retirement last?

If you retire at 67 and live to the average life expectancy of around 76–80 years, you may have 9 to 13 years of retirement. Retire at 62 with a lifespan of 85 and retirement could last over 20 years — which has major implications for savings. The US Department of Labor recommends planning for a retirement that could last 20–30 years.

How much should you save?

A widely cited guideline from financial planners suggests saving 10–15% of income throughout your career. Fidelity Investments recommends having 1x your salary saved by age 30, 3x by 40, 6x by 50, 8x by 60, and 10x by retirement. These are benchmarks, not guarantees — individual needs vary significantly.

💡 At 67, a person who started working at 22 will have worked for 45 years — roughly 11,250 working days assuming 5-day weeks and 2 weeks vacation per year.

Retirement Ages Around the World

Standard retirement ages vary significantly by country. Here's a snapshot of full pension/retirement ages from OECD data.

CountryStandard Retirement AgeNotes
United States67Full Social Security benefit age
United Kingdom66 (rising to 67)State pension age
Germany67Statutory pension age
France64Following 2023 reform
Australia67Age pension eligibility
Japan65Basic pension eligibility
Canada65CPP/OAS eligibility
Netherlands67AOW state pension

Frequently Asked Questions

According to Gallup polling, the average retirement age in the US is around 61 for those already retired. The average expected retirement age among current workers is 66. The full Social Security retirement age is 67 for those born after 1960.
Enter your date of birth and retirement age above to get an exact count. The calculator estimates working days based on a standard 5-day work week, excluding approximately 10 public holidays per year.
A common guideline is to save 10–15% of income throughout your career. Fidelity suggests having 10 times your final salary saved by age 67. However, individual needs vary significantly based on lifestyle, health costs, and expected retirement length. Consult a financial advisor for personalized guidance.
Yes — many people pursue FIRE (Financial Independence, Retire Early) strategies targeting retirement in their 40s or 50s. In the US, you can claim reduced Social Security benefits at 62. Early retirement requires significantly more savings since your money needs to last longer and you'll have fewer working years to accumulate it.