← Honed Money

Save half, retire in 17 years.

Your savings rate — not your salary — is the dial that controls when work becomes optional.

Your numbers

01 / YOU
$
%
%
Annual savings at current rate$0
Email my results

Calculate your plan to activate the email and copy buttons. Your entries stay in this tab and are not saved.

Give your exit a number.

Enter your income, savings rate, and target retirement age to see the simple math of early retirement.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or SSA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.