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    Physician Retirement Age Calculator

    When does work become a choice? Project your savings forward to the point where your portfolio can fund your life — and see the age you hit it.

    Uses real (after-inflation) returns so the answer is in today's dollars. Runs entirely in your browser — nothing stored.
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    Estimated age work becomes optional

    Want to pull that age forward?

    The free Financial Clarity for Physicians course covers the savings-rate, tax, and investing levers that move this number the most.

    Get the free course FI Number calculator All calculators

    Educational projection only. Assumes constant returns and contributions; real markets vary. Not financial advice.

    Written and reviewed by Pouyan Golshani, MD, Interventional Radiologist — Last updated June 4, 2026

    Part of the GigHz library: systems doctors were never taught.