Time Until Retirement
Enter your birth year and target retirement age to see how much working time you have left.
0 more months — retiring in 2055
The long game. Pace yourself.
Ok, how much working life have I got left? Let's work it out. I was born in 1990 and I want to stop at 65, so that's 29 years to go.
29 years of about 52 weeks is roughly 1,500 weeks. At 5 days a week, that's about 7,500 working days. At 8 hours a day, that's roughly 60,000 hours.
That's a lot of Mondays.
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This tool calculates how many years, months, working days, and working hours remain until your target retirement age.
Most people know their retirement age in years. Fewer have thought about it in working hours. Both numbers are useful, for different reasons. The years number is the plan. The hours number is the reality check.
How we work it out
We calculate the date when you will reach your target retirement age, then count the days from today. Working days use your hours and days-per-week settings to estimate how many of those days involve being at work. All figures assume a consistent schedule with no career breaks.
How it's worked out
- Your retirement date is your birth year plus your retirement age, on today's day and month.
- Years left is that year minus this year.
- Working days are the days to that date, scaled to the days a week you work. Working hours are those days times the hours in your working day.
Born in 1990 and retiring at 65, in 2026 that is 29 years away. At 5 days a week, that is about 7,500 working days. At 8 hours a day, that is about 60,000 hours.
Working time left at a glance
| Years left | Working days | Working hours |
|---|---|---|
| 1 | 260 | 2,080 |
| 5 | 1,300 | 10,400 |
| 10 | 2,600 | 20,800 |
| 20 | 5,200 | 41,600 |
| 30 | 7,800 | 62,400 |
| 40 | 10,400 | 83,200 |
52 weeks a year, 5 days a week and 8 hours a day. Holidays and sick days would take some off.
Common mistakes
- Reading it as a money plan. It shows time left, not whether you can afford to stop.
- Treating your target age as a promise. Pensions and your own plans can move it.
- Counting every day as a working day. Holidays and sick days are not.
Questions
What is the average retirement age?
In the US, the average effective retirement age is around 64 for men and 62 for women, though the full Social Security retirement age is currently 67 for those born after 1960. The tool defaults to 65 as a common planning target.
Does this account for holidays or sick days?
No. Working days here means days you would notionally be at work based on your days-per-week setting, without subtracting holidays, leave, or sick days. The actual number will be somewhat lower.
How is the time left worked out?
It takes your birth year plus your retirement age, then counts the days from today to that date. Working days are those days scaled to the days a week you work, and hours are working days times hours a day.
Why does it say I am already there?
If your age is at or past the retirement age you picked, there is no time left to count. Pick a later age to see a result.
Can I change my working week?
Yes. Change the hours per day and days per week and the working days and hours update. A four-day week shows a lot fewer days than a five-day one.
Does it work out how much money I will need?
No. It only shows how much working time is left. For money you would need to look at your pension and savings.