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Can You Retire at This Age?
Pick a target retirement age to see the nest egg you would need at the 4% rule and the Social Security, Medicare, and early-withdrawal rules that change at that age.
| Retire at | Est. nest egg needed | Key milestone |
|---|---|---|
| Age 50 | $1,700,000 | 10% penalty applies |
| Age 55 | $1,500,000 | Rule of 55 (401k) |
| Age 60 | $1,300,000 | Past 59½ penalty |
| Age 62 | $1,200,000 | Earliest Social Security |
| Age 65 | $1,100,000 | Medicare begins |
| Age 67 | $950,000 | Full retirement age |
| Age 70 | $800,000 | Max Social Security |
Retire at 50$1,700,000Retire at 55$1,500,000Retire at 60$1,300,000Retire at 62$1,200,000Retire at 65$1,100,000Retire at 67$950,000Retire at 70$800,000
👉 Prefer to start from a number? See what you can retire on — income from $250k to $5M at a 3–5% withdrawal rate.
Note: Nest egg figures are clearly-labeled estimates based on the 4% rule and typical spending assumptions — not personalized projections. This is general education, not financial advice.