Retirement Age Calculator
Find your exact retirement date and time remaining based on your date of birth.
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Your Retirement Plan
Free Retirement Age Calculator
Use this free retirement age calculator to find your exact retirement date and how much time is left until you reach it.
Enter your date of birth and choose a target retirement age to see your current age, retirement date, and the time remaining in years, months, and days.
How to Use the Retirement Age Calculator
- Select your date of birth.
- Select your target retirement age.
- Click Calculate Retirement Date.
- View your retirement date and time remaining instantly.
Features
- Calculates your exact retirement date.
- Shows time remaining in years, months, and days.
- Works on mobile, tablet, and desktop.
- Includes print, share, and download options.
Worked Example
Someone born on 15 June 1990 who plans to retire at 67 has a retirement date of 15 June 2057, their 67th birthday. The calculator simply adds the number of years you choose to your date of birth.
Choosing a Retirement Age
The "right" age depends on where you live and how you plan to fund retirement. In the United States, for example, the full retirement age for Social Security benefits is 67 for anyone born in 1960 or later. Benefits can start from 62 but are permanently reduced, and waiting past full retirement age, up to 70, increases them. People born between 1955 and 1959 have a full retirement age between 66 and 67 that includes extra months, which you can round up to the next whole year when using this calculator.
Other countries set their own state pension ages, and many are gradually raising them, so check your government's pension service for your exact age.
Source:
This calculator shows dates only and is not financial advice. For decisions about pensions or benefits, speak to your pension provider or a qualified financial adviser.
U.S. Full Retirement Age by Birth Year
If you plan around Social Security, your full retirement age depends on the year you were born. This is the age at which you receive 100% of your benefit.
| Year of birth | Full retirement age |
|---|---|
| 1943–1954 | 66 |
| 1955 | 66 and 2 months |
| 1956 | 66 and 4 months |
| 1957 | 66 and 6 months |
| 1958 | 66 and 8 months |
| 1959 | 66 and 10 months |
| 1960 or later | 67 |
Source: U.S. Social Security Administration. If you were born on 1 January, use the previous year.
Claiming at 62, 67 or 70: How Much Changes?
For anyone born in 1960 or later (full retirement age 67), the timing of your claim permanently changes the monthly amount:
| Claim at age | Share of full benefit |
|---|---|
| 62 (earliest) | 70% (30% reduction) |
| 67 (full retirement age) | 100% |
| 70 (latest worth waiting for) | 124% (8% delayed credit per year) |
So a person whose full benefit would be $2,000 a month would receive about $1,400 by claiming at 62, or about $2,480 by waiting until 70.
Key Retirement Ages at a Glance (U.S.)
| Age | What changes |
|---|---|
| 50 | Catch-up contributions to 401(k) and IRA accounts allowed |
| 59½ | Withdrawals from IRAs and 401(k)s generally no longer face the 10% early-withdrawal penalty |
| 62 | Earliest age to claim Social Security retirement benefits (permanently reduced) |
| 65 | Eligible for Medicare |
| 66–67 | Full retirement age for Social Security, depending on birth year (table above) |
| 70 | Social Security benefit reaches its maximum; no gain from waiting longer |
| 73 or 75 | Required minimum distributions begin: 73 if born 1951–1959, 75 if born 1960 or later |
For example, someone born on 15 June 1990 can enter each of these ages in the calculator above: they can first claim Social Security in 2052, become eligible for Medicare in 2055, reach full retirement age on 15 June 2057, and would start required minimum distributions at 75, in 2065.
Outside the United States
Most countries set their own state pension age, and many are raising it. In the United Kingdom, for example, the State Pension age is 66 and is rising to 67 between 2026 and 2028. Check your government's pension service for the age that applies to you, then enter it in the calculator to see your exact date.
Sources: SSA, Medicare.gov, IRS, GOV.UK. Dates and percentages only; not financial advice.
Frequently Asked Questions
How is my retirement date calculated?
Your retirement date is calculated by adding your chosen retirement age to your date of birth.
Does this use my country's official retirement age rules?
No. This calculator uses the retirement age you select yourself. Official pension or Social Security eligibility ages vary by country, so check with your national pension authority for exact rules that apply to you.
Is this calculator free?
Yes, this retirement age calculator is completely free to use with no sign-up required.
Can I use this to plan for early retirement?
Yes, select any target retirement age to instantly see the exact date and time remaining to reach it.
What is my full retirement age if I was born in 1960?
Anyone born in 1960 or later has a Social Security full retirement age of 67. Enter your date of birth and choose 67 above to see the exact date.
How much less do I get if I retire at 62?
If your full retirement age is 67, claiming Social Security at 62 permanently reduces your monthly benefit by 30%, so you receive 70% of the full amount.
At what age can I get Medicare?
Most people in the United States become eligible for Medicare at age 65, even if their Social Security full retirement age is later.
Related Calculators
Want a live, second-by-second countdown plus career progress and working days remaining? Try our retirement countdown calculator. Planning your finances too? Check the retirement savings calculator. Curious about your exact age right now? See the age calculator.