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When could I stop saving for retirement?

Explore when your investments could grow toward retirement without more deposits. Adjust the assumptions to see how much they matter.

Today’s purchasing power · Planning estimate · No account required

Amounts in USD

You could stop saving at 52 years, 11 months.

Save US$1,500 a month until then. Leave it invested until age 65.

Make it your plan USD

Current balance, before any tax on withdrawals.

The amount actually added to your investments.

Living costs plus any tax on investment withdrawals. Include your estimate; tax isn’t calculated here.

Saving until age 65Saving until age 52 years, 11 monthsGoal at age 65

Investment balances before withdrawal tax · Today’s money

Projected value at age 65 · retirementExplore any age on the chart
If you save until age 65 US$1,478,029If you stop saving at age 52 years, 11 months US$1,202,246
Needed to stop saving at age 52 years, 11 months
US$757,258
Your investments then: US$758,675
Retirement goal at age 65
US$1,200,000
Projected if you stop earlier: US$1,202,246

Stopping deposits isn’t retiring. You still need income for living costs until retirement.

All values show today’s buying power. Growth is an assumption, not a guarantee.

What this estimate assumes

Change these to explore a different outcome.

Growth is after fees, before inflation and tax. After inflation, that is about 3.88% a year, before tax.

The share of your starting retirement balance withdrawn each year, before tax. This sets the retirement goal.

Pension: none included. Pension input uses income after tax. Tax on investment growth and withdrawals is not calculated.

Calculation details & sources

Growth after inflation = (1 + investment growth) ÷ (1 + inflation) − 1. The green path keeps adding your monthly savings through retirement; the purple path stops at the marked age. Both continue compounding. The horizontal dotted line is the retirement target.

What’s included

Use the pension income you expect to receive after income tax, in today’s money. It starts at your retirement age and reduces what your investments need to cover. No pension income is included in this estimate.

All amounts are in today’s purchasing power. Monthly deposits are made at the end of each month and must rise with inflation. Growth is compounded monthly using the annual rate you entered.

How the targets are calculated

Annual retirement spending, less annual pension income, divided by your withdrawal rate gives your retirement target. We work backwards from that target to find when you could stop adding money.

Investment balances and the retirement goal are before withdrawal tax. Your monthly retirement budget must include living costs plus any tax you expect on investment withdrawals. Pension income is entered after tax. The calculator does not determine tax rates or account-specific tax treatment. Rates stay constant; market ups and downs and the risk of running out during retirement are not simulated.

Chart amounts in USD
AgeIf saving until retirementIf saving stops earlierNeeded to stop saving at this age
35US$150,000US$150,000US$382,635
36US$174,143US$174,143US$397,495
37US$199,224US$199,224US$412,931
38US$225,280US$225,280US$428,967
39US$252,346US$252,346US$445,626
40US$280,464US$280,464US$462,932
41US$309,674US$309,674US$480,910
42US$340,019US$340,019US$499,586
43US$371,542US$371,542US$518,988
44US$404,289US$404,289US$539,143
45US$438,307US$438,307US$560,080
46US$473,647US$473,647US$581,831
47US$510,359US$510,359US$604,426
48US$548,497US$548,497US$627,899
49US$588,116US$588,116US$652,284
50US$629,274US$629,274US$677,615
51US$672,030US$672,030US$703,930
52US$716,447US$716,447US$731,267
52 years, 11 monthsUS$758,675US$758,675US$757,258
53US$762,588US$761,088US$759,666
54US$810,521US$790,645US$789,167
55US$860,316US$821,349US$819,815
56US$912,044US$853,246US$851,652
57US$965,782US$886,382US$884,726
58US$1,021,606US$920,805US$919,084
59US$1,079,598US$956,564US$954,777
60US$1,139,843US$993,712US$991,856
61US$1,202,427US$1,032,303US$1,030,374
62US$1,267,441US$1,072,393US$1,070,389
63US$1,334,980US$1,114,039US$1,111,957
64US$1,405,142US$1,157,303US$1,155,140
65US$1,478,029US$1,202,246US$1,200,000

Thinking about retirement? Meet Fred.

Fred is your financial copilot in deezbills. Ask him about retiring earlier, working part-time or making your savings last.

He researches your options, considers your bills and other plans, and makes the changes you approve.

Meet Fred Explore deezbills
We're newly retired. How should we draw from our savings without paying more tax than we need to?
Fred

I’d use Checking to cover the roughly $1,190 monthly gap between your net pensions and your current budget, then refill it selectively from Joint Taxable Investments. That gap is based on your budget, not a record of what you’ve actually spent, so I wouldn’t set a fixed withdrawal amount from it yet.

Common questions

What is a Coast FIRE number?

Your Coast FIRE number is the amount that, invested by a chosen age, could grow to your retirement target on its own, with no new contributions. This calculator estimates it in today’s dollars from your retirement spending, a withdrawal rate, and growth after inflation.

Does Coast FIRE mean I can quit work?

No. It means retirement savings could grow to the target on their own from that point. You still need income to live on until you retire, you just may not need to keep adding to retirement savings.

Are the return assumptions predictions?

No. They are planning assumptions. Markets, inflation, taxes, fees, and your own spending can all change. Try lower and higher annual growth rates to see how sensitive the plan is.

Should I include Social Security or a pension?

Only include an after-tax estimate you are comfortable using. Benefits depend on your history and claiming age. Leaving them out is simpler and more conservative.