Retirement Age Calculator: When Can I Retire?
Calculate when you can retire based on your birth date and country. Enter your date of birth to see your exact retirement date and years until retirement. Example: someone born in 1960 retires in 2027 at age 67 (USA full retirement age). Works for USA, UK, Canada, Australia, and custom retirement ages. Free, instant, no signup.
Calculate Your Retirement Age
Planning estimate only: retirement and pension eligibility rules vary by program and can change over time. Use the “Custom Retirement Age” option for personal scenarios.
Results update automatically
Want to estimate by birth year first? Use the birth year age chart hub.
Early retirement vs full retirement age
USA Social Security retirement ages
In the USA, you can choose when to start Social Security retirement benefits, but the age affects your monthly payment:
- Age 62 (early retirement): Earliest eligibility, but benefits reduced by ~30%
- Age 67 (full retirement): 100% of benefits (for those born 1960 or later)
- Age 70 (delayed retirement): Maximum benefits, ~124% of full retirement amount
Example for someone born in 1960:
| Retirement Age | Year You Can Retire | Benefit Level |
|---|---|---|
| 62 (early) | 2022 | ~70% of full benefit |
| 67 (full) | 2027 | 100% of full benefit |
| 70 (delayed) | 2030 | ~124% of full benefit |
Other countries
- UK: State Pension age 66, rising to 67 between 2026-2028. No early access to State Pension, but private pensions may allow earlier withdrawal.
- Canada: CPP can start as early as age 60 (reduced) or delayed to age 70 (increased). Standard age 65 = 100% benefit.
- Australia: Age Pension at 67. Early access to superannuation (private retirement savings) possible from age 60 in some cases.
Planning tip: Working just 3-5 extra years (age 67 → 70) can significantly increase lifetime retirement income. Use the custom age field above to model different retirement scenarios.
Knowing your retirement age helps you plan savings, pensions, and long-term finances. Many people use their retirement date to estimate how much they need to save, when to reduce working hours, or when to start receiving government retirement benefits.
Retirement age by country (2026 reference)
Retirement age varies significantly by country. Here are current standard retirement ages for major countries:
| Country | Full Retirement Age | Early Retirement (if available) | Notes |
|---|---|---|---|
| United States | 67 | 62 (reduced benefits) | Full Social Security retirement age for those born 1960+ |
| United Kingdom | 66 (rising to 67 by 2028) | Not available for State Pension | State Pension age, private pensions vary |
| Canada | 65 | 60 (reduced CPP) | Canada Pension Plan (CPP) standard age |
| Australia | 67 | 60 (superannuation only) | Age Pension eligibility; early super access varies |
| Germany | 67 (phasing in) | 63 (with conditions) | Gradually increasing to 67 by 2031 |
| France | 64 (increasing from 62) | Varies by career length | Recent policy changes, depends on contribution years |
| Japan | 65 | 60 (reduced benefits) | Public pension eligibility, gradually increasing |
| Italy | 67 | Varies by contribution years | One of the highest retirement ages in Europe |
| Spain | 65-67 | Depends on contribution years | 65 with 38+ years contributions, otherwise 67 |
| Netherlands | 67 (rising) | Not applicable for state pension | Tied to life expectancy, increasing over time |
Important: These are planning estimates only. Retirement ages can change due to government policy, life expectancy adjustments, and budget considerations. Always verify current rules with your country's official pension authority before making retirement decisions.
Life Milestones by Age
Understanding where you are in life can help with long-term planning. Here are some common milestones many people consider:
- Age 18–21: Legal adulthood and early independence
- Age 30: Career and family planning
- Age 40–50: Peak earning years
- Age 60–67: Typical retirement age
- Age 70+: Retirement benefits and pensions
Planning ahead helps you make informed decisions about work, savings, and lifestyle as you approach retirement.
More Helpful Calculators
Looking for other time and age calculators?
- Age Calculator – Find your exact age today.
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- Age Between Dates
- Age Difference
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- Half Birthday
- Age in Months
Why Use a Retirement Age Calculator?
Planning for retirement starts with knowing your retirement age. This calculator helps you:
- Determine your official retirement age
- Find your exact retirement date
- See how many years you have left until retirement
- Plan savings, pensions, and long-term finances
Retirement age calculator: Frequently asked questions
When can I retire if I was born in 1960?
If you were born in 1960, you can retire at full retirement age 67 in 2027 (USA Social Security). You can take early retirement at age 62 (2022) with reduced benefits (~70% of full), or delay until age 70 (2030) for increased benefits (~124% of full). Use the calculator above with your exact birth date for your retirement date.
When can I retire if I was born in 1965?
If you were born in 1965, your USA full retirement age is 67 in 2032. That's 6 years from 2026. Early retirement at 62 would be 2027, delayed retirement at 70 would be 2035. Use the reference table above for other birth years.
What is the retirement age in the USA?
USA Social Security full retirement age is 67 for anyone born 1960 or later. Early retirement begins at age 62 (reduced benefits). Maximum benefits at age 70. The full retirement age was 66 for those born 1943-1954, and gradually increased to 67 for those born 1960+.
What is the retirement age in the UK?
UK State Pension age is currently 66, legislated to rise to 67 between 2026 and 2028. There is no early access to State Pension, though private pensions may allow earlier withdrawals. The State Pension age may continue rising based on life expectancy.
How many years until retirement?
Enter your date of birth in the calculator above to see exactly how many years, months, and days until your retirement date. Example: someone born in 1960 has 1 year until retirement in 2027 (as of 2026).
Can I retire early?
Early retirement is possible but typically reduces government pension benefits. In the USA, you can claim Social Security at 62 with ~30% reduction. In Canada, you can start CPP at 60 with reduction. Some countries like the UK don't allow early State Pension access. Private retirement savings may allow earlier retirement.
Should I retire at 62, 65, or 67?
The right retirement age depends on your financial situation, health, and lifestyle goals. Retiring at 62 gives more years of retirement but lower monthly benefits. Waiting until 67-70 provides higher lifetime income if you live longer. Use the calculator's custom age field to model different scenarios.
Is retirement age the same everywhere?
No. Retirement age varies by country and can change over time. Common ages: USA 67, UK 66-67, Canada 65, Australia 67, Germany 67, France 64, Japan 65. Many countries are gradually increasing retirement ages due to longer life expectancy and pension funding concerns.
Do I need to retire at the official retirement age?
No. The official retirement age determines when you can claim full government pension benefits, but you can continue working past that age or retire earlier using private savings. Many people work part-time in their 60s and 70s while receiving pensions.