More years to fund
Your savings may need to last 35 years or more. Spending is the biggest lever — small changes add up over that long a stretch.
Retiring at 60
How much do I need to retire at 60?
Retiring at 60 is very doable for many people, but it asks more of your savings than retiring at 65 or 67. Here is what changes, and how to see your own number.
What makes retiring at 60 different
Rules of thumb like 25 times your spending are a starting point. These are the things that matter most at 60.
Fewer years of saving
Stopping at 60 means fewer contributions and less time for growth. Finnlight shows how much each extra working year helps.
The bridge to Social Security
Social Security can start at 62, with larger checks if you wait. Your savings carry you until then, so the bridge years shape your number.
Health insurance until 65
Medicare starts at 65. Five years of private coverage is a real cost, and Finnlight includes it in your plan.
Account access
Most retirement accounts can be withdrawn without an early-withdrawal penalty starting at 59½, so 60 lines up well. Brokerage savings are flexible at any age.
Market risk early on
A downturn in your first few years matters most. Finnlight's simulation tests hundreds of market paths, not just the average.
How Finnlight answers it for you
Finnlight builds a year-by-year projection from your accounts, contributions, spending, Social Security, and planned life events, so you can see your own answer instead of a rule of thumb.
- Start a plan in minutes — no account or card needed to try it.
- Set your retirement age to 60 and see how long your money lasts.
- Compare 60 with 62 or 65 side by side by changing one number.
- Ask Finn what would make 60 work — saving more or spending less.
- Save your plan free for 14 days when you're ready.
See if 60 works for you
Start a plan with your numbers, set your retirement age to 60, and see how long your money lasts. Finnlight is an educational planning tool and does not provide financial, tax, or legal advice.