How much you save
Every extra year of saving adds contributions and growth while delaying withdrawals. Your savings rate often matters more than your investment choices.
Retirement planning
When can I retire?
The honest answer: when your savings, plus Social Security, can cover the life you want for as long as you live. Here is what moves that date, and how to find yours.
What decides your retirement date
No single age works for everyone. These are the inputs that move your date the most.
What you will spend
Your date depends on the spending you need to cover. Finnlight estimates retirement spending from your budget instead of a generic percentage.
How your savings grow
Pick aggressive, moderate, or conservative growth. Finnlight shows results in today's dollars so the numbers stay meaningful.
When you claim Social Security
You can claim as early as 62, but waiting raises the monthly amount. Bridging those years with savings can change which date works.
Health insurance before 65
Retiring before Medicare means paying for coverage yourself. Finnlight includes those premiums in your plan by default.
Market luck
Weak markets early in retirement hurt more than later. Finnlight tests hundreds of market paths so your date holds up in more than the average case.
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.
- See the age your money lasts to at your chosen retirement date.
- Move your retirement age and watch the outcome update instantly.
- Ask Finn what-ifs like “Could I retire at 60 if I cut spending?”
- Save your plan free for 14 days when you're ready.
Find your retirement date
Start a plan with your numbers and try different retirement ages to see which one works. Finnlight is an educational planning tool and does not provide financial, tax, or legal advice.