Can I Retire? 60-Second Retirement Readiness Diagnostic
Calculate if you can retire today or when you will reach financial independence. Free, instant, interactive retirement feasibility simulator.
Ready to put your capital to work?
Once you have mapped your required net worth and sustainable withdrawal rate, research quality market assets with Tickerio.
How the "Can I Retire?" Engine Calculates Your Timeline
Determining retirement readiness is not a guessing game or an arbitrary age threshold. It is a mathematical relationship between your current annual spending, your accumulated net worth, and your sustainable withdrawal rate (SWR).
1. The Core Equation
According to empirical research (the landmark Trinity Study and updated sequence-of-returns literature), a diversified portfolio can historically sustain a 4.0% initial annual withdrawal rate adjusted annually for inflation over a 30-year horizon without exhaustion.
- Trinity Study (1998)
- US Federal Reserve SCF (2023)