Retirement planning guide

Compare Retirement Dates Before You Decide

A retirement date changes income, savings, benefits, and the years your portfolio may need to support.

Use one baseline

Keep spending, investment, inflation, and longevity assumptions the same in both scenarios. Change the date first, so the tradeoff is easier to understand.

Look at bridge years

The years between leaving work and claiming Social Security can place different pressure on savings. Compare income and withdrawals year by year.

Keep the decision human

A modeled result does not decide for you. It helps clarify what working longer may buy and what retiring earlier may require.

Apply this to your plan

Compare your retirement dates privately

Use the interactive demo to test a retire-now and work-longer scenario with your own assumptions. No account is required to begin.

See your own comparison in 5 minutes

Educational only: This is general information, not individualized investment, tax, legal, or financial advice.