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Retirement Countdown Calculator

Computes the date on which a person reaches a chosen retirement age from their date of birth and counts the days, weeks, calendar months and Monday–Friday working days remaining from a reference date.

When to use

You want to know when someone reaches retirement age (default 67, the US full retirement age for people born in 1960 or later) and how long is left.

Do not use when: You need the savings required to retire (use retirement-savings or fire-number) or a pension-rule specific eligibility date; national retirement ages vary and must be entered explicitly.

Formula

retirement_date = birth_date + retirement_age years; days_remaining = retirement_date − as_of_date; weeks = days / 7; years = days / 365.2425; months = calendar months between the dates

Inputs

Parameter	Type	Unit	Required	Description
`birth_date`	date		yes	Date of birth (YYYY-MM-DD).
`retirement_age`	integer	years	default 67	Age at which retirement starts; 67 is the US Social Security full retirement age for people born in 1960 or later. Range: ≥ 18, ≤ 120
`as_of_date`	date		default today	Reference date for the countdown; defaults to the current UTC date.

Outputs

Output	Type	Unit	Description
`retirement_date`	date		The birthday on which retirement_age is reached (29 February birthdays map to 1 March in common years).
`retirement_weekday`	string		Day of the week of the retirement date.
`current_age_years`	integer	years	Completed years of age on as_of_date.
`days_remaining`	integer	days	retirement_date − as_of_date; negative if the date has passed.
`weeks_remaining`	number	weeks	days_remaining / 7.
`months_remaining`	integer	months	Whole calendar months between the two dates (negative if passed).
`years_remaining`	number	years	days_remaining / 365.2425.
`remaining_text`	string		Years, months and days remaining ('ago' when the date has passed).
`working_days_remaining`	integer	days	Monday–Friday days after as_of_date up to and including retirement_date (public holidays not excluded); 0 if passed.
`status`	string		Countdown summary or notice that the retirement date has passed.

Example

Born 1970-06-15, retire at 67, as of 2026-09-23: {"birth_date":"1970-06-15","retirement_age":67,"as_of_date":"2026-09-23"} → {"retirement_date":"2037-06-15","retirement_weekday":"Monday","current_age_years":56,"days_remaining":3918,"weeks_remaining":559.7,"months_remaining":128,"years_remaining":10.73,"remaining_text":"10 years 8 months 23 days","working_days_remaining":2798}

Born 1960-03-01, retire at 65, as of 2026-09-23 (already passed): {"birth_date":"1960-03-01","retirement_age":65,"as_of_date":"2026-09-23"} → {"retirement_date":"2025-03-01","days_remaining":-571,"months_remaining":-18,"remaining_text":"1 year 6 months 22 days ago","working_days_remaining":0}

GET https://tttkmbb.com/api/v1/calculate/retirement-countdown?birth_date=1970-06-15&retirement_age=67&as_of_date=2026-09-23

Machine access

API: GET https://tttkmbb.com/api/v1/calculate/retirement-countdown (query parameters) or POST with a JSON body {"inputs": {...}}
Schema: https://tttkmbb.com/api/v1/calculators/retirement-countdown · Markdown: https://tttkmbb.com/time/retirement-countdown.md · JSON definition: https://tttkmbb.com/time/retirement-countdown.json
MCP: server https://tttkmbb.com/mcp, tool run_calculator with calculator_id="retirement-countdown"
OpenAPI operationId: calculate_retirement_countdown
Freshness: daily. Authentication: none. Rate limit: fair use (see rate limits).

Sources

US Social Security Administration – Retirement age and benefit reduction (government)
Gregorian calendar – leap-year rule and month lengths (Wikipedia) (reference)

FAQ

Which retirement age should I enter?

The age that applies to your scheme: 67 for full US Social Security benefits (born 1960+), 66–67 for the UK State Pension, 65–67 in most EU countries, 60–65 for many occupational pensions. The calculator applies whatever you enter.

How are working days counted?

Every Monday to Friday between the day after as_of_date and the retirement date inclusive; public holidays and leave are not subtracted.

Related calculators

Age Calculator — Exact current age with next birthday.
Days Until Calculator — Countdown to any other date.
Compound Interest Calculator — Grow retirement savings over the remaining years.