Find out when you can actually retire.
Your savings, your benefits, what you’ll spend — it’s scattered across accounts and websites you rarely open. When Can I Retire brings it together and gives you one straight answer: the age you can retire, and the move that gets you there sooner.
Upload a statement or snap a photoabout 10 minutesfree to start
78%
ready to retire
On your current path, you’re set to retire at 66.
Monthly income
$3,420
Monthly spending
$3,950
Monthly gap
$530
Your next move: set aside $180/mo toward savings. That moves your retirement up to age 63.
The hard part was never the math.
It’s seeing all of it in one place.
Your savings sit in one account, an old workplace plan in another, a government benefit somewhere you’ve never signed in. Apart, none of it answers the question. Together, it answers it completely — and When Can I Retire does the bringing together for you.
Three steps. One clear answer.
You add the documents. When Can I Retire does the reading, the math, and the explaining.
- 01
Add what you have
Upload a file or snap a photo — a tax return, an investment or bank statement, a card bill. One at a time is fine. Missing one? We’ll point you to it.
- 02
We read it and build your picture
When Can I Retire pulls the numbers from each document and saves a dated snapshot of where you stand. No typing, no spreadsheets.
- 03
Get your answer and next moves
One straight verdict — on track, close, or not yet — with a short, specific list of what to do. Change anything later and it updates.
What goes into the answer.
It comes down to one comparison: the money coming in against the money going out. Here’s everything When Can I Retire weighs on each side.
Coming in
What you’ll live on
Government benefits
Social Security in the US, or CPP & OAS in Canada — the monthly benefit you’ve earned.
Savings & investments
Your 401(k), IRA, RRSP, TFSA or brokerage — turned into steady monthly income.
Pensions
A monthly payment some employers keep paying after you retire.
Other income
Part-time work, rent you collect, anything else coming in.
Going out
What life will cost
Everyday bills
Housing, food, transport, insurance, phone — the steady monthly costs.
Money you owe
Credit cards, a car loan, a mortgage — what’s left to pay off.
Health costs
Medical spending tends to rise with age, so we plan ahead for it.
The good stuff
Travel, hobbies, time with family — the reasons to retire in the first place.
When Can I Retire reads each document and sorts every number into the right place — automatically.
in − out = your answerWhere to find every number.
“Where do I even find that?” is the question we hear most. So here’s the exact place for each one — pick your country.
United States
Social Security
Government benefitAt ssa.gov, choose “Sign in / Create an account,” then open your statement — it lists your monthly amount.
ssa.gov/myaccount
401(k) or IRA
Retirement savingsSign in to the provider on your statement (Fidelity, Vanguard, and the like) and download the latest PDF.
Your plan’s website
Tax return (Form 1040)
Last year’s incomeUse the PDF from your tax preparer or software. A clear photo of the first two pages works too.
Your tax software
Canada
CPP & OAS
Government benefitSign in to your My Service Canada Account and open the CPP/OAS estimate — it shows your monthly amount.
canada.ca · MSCA
RRSP or TFSA
Retirement savingsSign in to your bank or broker (Wealthsimple, Questrade, your bank) and save the latest statement.
Your bank’s website
Tax slips (T4 / NOA)
Last year’s incomeOpen your Notice of Assessment in CRA My Account, or use the PDF from your tax software.
canada.ca · CRA
Inside When Can I Retire, every item has a guided walkthrough with screenshots.
Life changes. Your answer keeps up.
Add something new — a raise, a paid-off card, a fresh statement — and When Can I Retire saves another dated snapshot. Nothing to start over.
Every snapshot is kept, so you can look back and watch the progress add up over time. That part tends to feel pretty good.
Maria’s year so far
+16 pointsStraight answers you can trust.
A calm, honest read on where you stand — and a clear path forward. No upsells, no fine print.
Nothing hidden
Every number opens up to show exactly how we got it. No black box, no mystery.
Honest, not alarming
We tell you where you really stand — then point straight at what you can do next.
Yours alone
Your documents stay private. We never sell your data — full stop.
See the age you can retire.
Add one statement and you’ll have your first answer in minutes. Free to start, and no account needed.
No credit card · works in the US and Canada