When can I retire?
Pick your country and year of birth to see your statutory retirement age, the year you reach it and the years to go. Add your savings and see whether financial independence could get you there sooner — everything runs on your device.
Free retirement calculator
Optional: retire earlier via financial freedom
Optional: estimate my pension amount
In the app you connect this with real accounts, pensions, savings and net worth — including history and forecast, still fully private.
FAQ
About retirement & when you can stop working
When can I retire?
Your earliest standard pension depends on your country and year of birth. Pick both above and the calculator shows your statutory retirement age, the calendar year you reach it and how many years are left. Many countries are gradually raising the age.
What is the statutory retirement age?
It is the age at which you can draw the full state pension without deductions. It varies widely – from around 62 to 67 across Europe – and often rises with younger birth years. The figures here reflect the standard age as of 2026.
Can I retire earlier than the statutory age?
Often yes, but usually with permanent deductions. A second route is financial independence: if your invested wealth covers your spending (roughly annual spending times 25, the 4% rule), you can stop working regardless of the state pension. Enter your savings above to compare.
Is my data stored or transmitted?
No. The retirement calculator runs entirely on your device – no account, no cloud, and it never sends or stores your data. It is guidance, not financial or pension advice.
Your financial data stays with you.
Kontoo collects, sees and stores none of your personal financial data – no account, no cloud, everything runs on your device. The free version is funded by ads (Google AdSense, only with your consent); with Kontoo Premium it is ad- and tracking-free.