A free early retirement calculator, built by someone who actually retired. Start with a thirty-second pass, then build a serious estimate in about thirty minutes.
Not chasing retirement? See other questions ETQ answers
Start small, then go deeper when it becomes useful. Your answers come with you.
The quick estimate and the walkthrough answer the earliest-age question. The full calculator answers all four: the earliest age you could stop, a retirement age you choose, spending once you have retired, and where your finances could stand with no date in mind.
The age at which work becomes a choice — a back-of-envelope estimate in six questions.
All in your browser. The numbers you enter never leave it. Your inputs are remembered locally so you can come back to them; clear them any time.
Illustrative model output, not financial advice. Sensitive to your inputs and ETQ's default assumptions. See limitations.
Refine this estimate by adding your partner, property and rental income, debts, major events, market scenarios and reserve goals.
A year-by-year picture of the rest of your financial life — cash, assets and net worth to end of life, recalculating live with every figure you change.
What you can model
Other questions it can answer
Choose your question under Planning Mode at the top of the calculator. You can switch modes any time using the same figures.
Illustrative projections, not financial advice. Free, no account, all in your browser. See how it is calculated.
ETQ is not authorised or regulated as a financial adviser, investment firm, pension adviser, credit intermediary, or insurer in any jurisdiction, and it does not give regulated financial advice or personal recommendations.
I am Kenneth Bonnici, and I retired at 53. I had genuinely enjoyed much of my career as a management consultant and corporate CFO, so this was not an escape from work I hated. It was a decision to use the time I had left on my own terms.
Money had always meant independence to me, not luxury cars, designer labels, or a villa with a pool. Still, I spent years saying I would retire early without doing the one thing my career had trained me to do: check the numbers properly.
The turning point came when I mapped every year of cash flow for the rest of my life, all the way to 95. For the first time, I could see my income, spending, pensions, assets and investments moving together. I could see that I had enough.
The 4% rule is useful shorthand, but one multiple could not reflect the life I was actually planning. So I built the model I needed. That personal spreadsheet became ETQ.
This is not a promise that anyone can retire at 53. It is a way to make the choice less vague: put your real life into the model, test the difficult years, and see what spending below your means, investing and building your income may already have bought you. Perhaps it is more freedom than you think.
Read the guide: how much do you really need to retire early? →
Or start with a specific age: how much you need to retire at 55 or at 60.
We build wealth for freedom, then forget to be free.
Start where you like — thirty seconds, a guided walkthrough, or the full calculator.
Find your number →