Age 65 is the traditional retirement milestone - Medicare begins, reducing your biggest retirement expense, and you're just 2 years from full Social Security benefits. Use this calculator to determine if your savings provide the comfortable retirement you've worked toward.
Account for rising costs (3.1% annually)
Sign up for Medicare 3 months before turning 65 to avoid gaps and penalties
Consider delaying Social Security to 67 for full benefits or 70 for maximum (8%/year increase)
Medicare covers basics but consider Medigap or Medicare Advantage for extra coverage
Budget $5-8k/year for healthcare even with Medicare (premiums, copays, dental/vision)
The 4% rule is well-tested for 25-30 year retirements starting at 65