When Can You Retire?.
Find your freedom number.
Where you're at
The life you're aiming for
You could retire around age
Your freedom number is $2,000,000 - the pot that pays you $80,000/yr at a 4% drawdown. At these settings you reach it in about 25 years.
Freedom number
$2,000,000
Years away
25
Add $500/mo
2 yrs earlier
Return +1%
2 yrs earlier
Your balance by age
Peak: $2,837,978
The flat-looking early years are normal - compounding does most of its work at the end. Every year you start earlier removes roughly a year (or more) from the far end.
How this is calculated＋
We compound your current balance and yearly additions at your chosen real (after-inflation) return until it reaches your freedom number - your target income divided by the withdrawal rate. A 4% drawdown is the classic “25× rule”; 3–3.5% is the cautious end for longer retirements.
- Everything is in today's dollars, so the results stay meaningful regardless of inflation.
- The income presets are the ASFA Retirement Standard budgets (2025) for retirees who own their home.
- Not modelled: tax inside/outside super, the age pension (which kicks in from 67 and can significantly reduce the pot you actually need), sequencing risk and super access rules (generally 60).
Want the date sooner? LINK Wealth builds the contribution, structure and investment plan to get you there.
Talk to Wealth →A simplified projection with a flat real return - markets don't move in straight lines. Ignores tax, the age pension and super access rules. Not financial advice.