{
  "slug": "retirement-date",
  "title": "Retirement Date Calculator",
  "heading": "Retirement Date Calculator",
  "category": "other",
  "url": "https://www.revenuelab.fyi/toolbox/retirement-date",
  "summary": "The date you hit your target retirement age.",
  "description": "Full Social Security retirement age is 67 for anyone born in 1960 or later; claiming at 62 permanently reduces the benefit by about 30%.",
  "formula": "Retirement date = Birth date + target age; working days remaining excludes weekends and vacation.",
  "dateModified": "2026-09-30",
  "run_url": "https://www.revenuelab.fyi/api/public/calc?tool=retirement-date",
  "inputs": [
    {
      "id": "birth",
      "label": "Date of birth",
      "kind": "date",
      "hint": null,
      "default": "1985-04-10"
    },
    {
      "id": "age",
      "label": "Target retirement age",
      "kind": "number",
      "hint": null,
      "default": 65,
      "unit": null,
      "min": 40,
      "max": 90
    },
    {
      "id": "vacationDays",
      "label": "Vacation days per year",
      "kind": "number",
      "hint": null,
      "default": 15,
      "unit": null,
      "min": 0,
      "max": 60
    }
  ],
  "outputs": [
    {
      "id": "date",
      "label": "Retirement date",
      "format": "raw",
      "hint": null,
      "primary": true
    },
    {
      "id": "years",
      "label": "Years to go",
      "format": "decimal",
      "hint": null,
      "primary": false
    },
    {
      "id": "workDays",
      "label": "Working days remaining",
      "format": "number",
      "hint": null,
      "primary": false
    },
    {
      "id": "months",
      "label": "Months to go",
      "format": "number",
      "hint": null,
      "primary": false
    },
    {
      "id": "days",
      "label": "Calendar days to go",
      "format": "number",
      "hint": null,
      "primary": false
    },
    {
      "id": "ssaFull",
      "label": "Full Social Security retirement date (age 67)",
      "format": "raw",
      "hint": null,
      "primary": false
    }
  ],
  "worked_example": {
    "inputs": [
      "Date of birth: 1985-04-10",
      "Target retirement age: 65",
      "Vacation days per year: 15"
    ],
    "outputs": [
      "Retirement date: Sunday, April 10, 2050",
      "Years to go: 23.5",
      "Working days remaining: 5,764",
      "Months to go: 282",
      "Calendar days to go: 8,593",
      "Full Social Security retirement date (age 67): Wednesday, April 10, 2052"
    ]
  },
  "how_to": {
    "title": "How to use this",
    "steps": [
      "Enter date of birth.",
      "Enter target retirement age.",
      "Enter vacation days per year.",
      "Read your retirement date on the right — it updates as you type.",
      "Hit Share to keep the scenario or send it to someone."
    ]
  },
  "scenarios": [
    {
      "name": "Conservative",
      "description": "Lower-end numbers — what if things land soft?",
      "values": {
        "birth": "1985-04-10",
        "age": 65,
        "vacationDays": 9
      }
    },
    {
      "name": "Typical",
      "description": "Defaults — the most common real-world setup.",
      "values": {
        "birth": "1985-04-10",
        "age": 65,
        "vacationDays": 15
      }
    },
    {
      "name": "Ambitious",
      "description": "Higher-end numbers — what if things really pop?",
      "values": {
        "birth": "1985-04-10",
        "age": 65,
        "vacationDays": 24
      }
    }
  ],
  "limitations": [
    "Estimates assume standard, average conditions — local rules, pricing, and materials vary.",
    "Results are rounded for readability; add a buffer before ordering, booking, or committing.",
    "Double-check anything with a real cost attached against a local quote."
  ],
  "faq": [
    {
      "q": "How does the retirement date calculator work?",
      "a": "Full Social Security retirement age is 67 for anyone born in 1960 or later; claiming at 62 permanently reduces the benefit by about 30%. The underlying maths is: Retirement date = Birth date + target age; working days remaining excludes weekends and vacation."
    },
    {
      "q": "What do I need to enter?",
      "a": "3 values: date of birth, target retirement age, and vacation days per year. Each field starts with a sensible default, so you can change one number at a time and watch the result move."
    },
    {
      "q": "What does the retirement date result mean?",
      "a": "It is returned as a plain value and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds."
    },
    {
      "q": "Is this calculator free, and do I need an account?",
      "a": "Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser."
    },
    {
      "q": "How accurate is the result?",
      "a": "It applies the standard formula exactly, so the arithmetic is precise. Estimates assume standard, average conditions — local rules, pricing, and materials vary."
    },
    {
      "q": "Who is this tool for?",
      "a": "It's built for anyone doing everyday planning maths — a quick estimate that would otherwise need four browser tabs and a calculator app."
    }
  ],
  "related": [
    "https://www.revenuelab.fyi/toolbox/age-calculator",
    "https://www.revenuelab.fyi/toolbox/savings-rate-fi"
  ],
  "license": "CC-BY-4.0",
  "citation": "RevenueLab — Retirement Date Calculator (https://www.revenuelab.fyi/toolbox/retirement-date)"
}