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Retirement Timing Lab

See what working
longer changes.

Enter six key details. Then compare retiring at your chosen age with working 1, 3, or 5 more years.

Your numbers stay privateEducational comparison only

Enter your details

Start with the essentials, then review the visible income and market assumptions.

Six essentials

We also compare 1, 3, and 5 years later.
Income and market settings

The default values are ready to use. Review or change them for a more tailored comparison.

Enter zero if none.
Examples only—not forecasts or recommendations.
Display only; no conversion.
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The same seed keeps comparisons reproducible. Every retirement date shares the same annual shocks.

Your retirement options

The percentage shows how often the plan lasted to your selected age in the model.

Simple comparison

Calculating your options…

Preparing the same market conditions for every retirement age.

Plan lasts to your selected age —— Comparing five additional working years

Simple takeaway

Comparing your dates

The calculation will explain the main difference in plain language.

Difficult-market tests

These show how often each option lasted when retirement began with a market fall or inflation stayed 2% higher.

Assumptions and important limits

This is an educational comparison—not personalised financial advice or a recommendation to retire or keep working. Results depend entirely on the figures and assumptions entered. Review the methodology and disclaimer.

How to use this result

1

Compare the dates

Look at the retirement savings and the percentage beside each age.

2

Check difficult markets

Review the stress tests to see how each date behaves under tougher conditions.

3

Consider real life

Health, family, work satisfaction, tax, and insurance also matter. The calculator cannot decide those for you.

Need a more detailed plan with one-off expenses and multiple future incomes? Use the FIRE Planner.