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Early Retirement Feasibility Calculator

Work out early retirement feasibility instantly with clear inputs, formula shown and shareable results.

About Early Retirement Feasibility Calculator

Early retirement feasibility compares the corpus you will have with 25 times annual expenses, the level consistent with a 4% withdrawal rate. Working in real returns keeps everything in today's purchasing power.

Formula

Feasibility

Required = 25 × annual expenses; projected = corpus × (1 + real return)^years

Worked example

With the default values below, Early Retirement Feasibility Calculator returns Projected Corpus At Retirement of $17,729,465. Change any input above and every figure here is recalculated in your browser.

Inputs used

Current Invested Corpusminimum 0
12,000,000
Annual Expenses In Retirementminimum 0
900,000
Expected Real Returnaccepts 0–100 %
5 %
Years Until You Stop Workingaccepts 0–40
8

Results

Projected Corpus At Retirement
$17,729,465
Corpus Required At 25 Times Expenses
$22,500,000
Shortfall
$4,770,535
Spending The Projected Corpus Supports
$709,178.61

Step by step

  1. 1Values used
  2. 2Feasibility
  3. 3Projected Corpus At Retirement= 17,729,465
  4. 4Corpus Required At 25 Times Expenses= 22,500,000
  5. 5Shortfall= 4,770,535
  6. 6Spending The Projected Corpus Supports= 709,178.61

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation or tax into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates for planning only. Prices, returns, inflation and personal circumstances all change. This is not financial or tax advice — speak to a qualified adviser before making decisions.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates for planning only. Prices, returns, inflation and personal circumstances all change. This is not financial or tax advice — speak to a qualified adviser before making decisions.

Frequently Asked Questions

Why 25 times expenses?

It is the inverse of a 4% withdrawal rate, the level historically sustainable over a 30-year retirement.

Does early retirement need more?

Yes. A 40 or 50-year horizon argues for 28 to 33 times expenses, since the withdrawal must last far longer.

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