Your money is in five places. Your retirement answer is in one.
Add a statement or snap a photo. We read the numbers and tell you, in plain words, the age you can stop working and the one move that gets you there sooner.
US and Canadaabout 10 minutesno card needed
A sample: five of Maria’s papers, a bank statement, a 401(k) statement, a Social Security estimate, a credit card bill and a tax return, are read and gathered into one answer. Maria, 58, can stop working at 66. Setting aside $180 a month moves that to 63.
The math is one subtraction. We just do all the adding up.
Every number we read goes on one side or the other. Every step is shown in plain words on your dashboard, so you can see exactly how we got your answer.
Coming in
Government benefits
Social Security, or CPP and OAS in Canada.
Savings
Your 401(k), IRA, RRSP or TFSA, turned into a monthly amount.
Pensions and other income
Work pensions, part-time work, rent you collect.
Going out
Everyday bills
Housing, food, getting around, insurance.
Money you owe
Cards and loans still to pay off.
Health and the good stuff
Costs that rise with age, plus travel and family.
Your answer
The age you can retire
The earliest age your money lasts, with prices rising.
Your next move
The one change that brings that age sooner.
Don’t know where a number lives? Here’s the exact place.
“Where do I even find that?” is the question we hear most. Pick your country. Inside, we point you to every missing piece the same way.
Social Security
Government benefit
At 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 savings
Sign 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 income
Use the PDF from your tax preparer or software. A clear photo of the first two pages works too.
Your tax software
CPP & OAS
Government benefit
Sign 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 savings
Sign 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 income
Open your Notice of Assessment in CRA My Account, or use the PDF from your tax software.
canada.ca · CRA
A calm, straight answer. No upsells, no fine print.
- Nothing hidden.
- Every number opens up to show how we got it.
- Private.
- Your documents are read on our own computer, never sent to an outside AI company, and never sold.
- Honest.
- If we don't have enough to give you an age yet, we say so, and tell you what to add.
- Free to check.
- The full plan, with your next moves ranked, is $79 a year in the US or CA$99 in Canada, with a 14-day free trial.
Questions people ask.
Is it really free?
Yes. Your readiness number, your retirement age, and the full step-by-step math are free, always. The full plan ($79/yr in the US, CA$99/yr in Canada) adds your ranked next moves and how your progress changes over time — and it comes with a 14-day free trial, no card needed to start.
Is this financial advice?
No. When Can I Retire is a planning tool to help you understand your own money — it's not a licensed financial advisor and doesn't replace one. For anything high-stakes (taxes, big account changes), it's worth talking to a professional.
Where do my documents go?
They're read on our own computer — never sent to an outside AI company. We never sell your data, and you can delete any document any time.
Does it work in Canada?
Yes. We handle CPP, OAS, and RRSPs the same way we handle Social Security and 401(k)s in the US — tell us which country you're in and we use the right numbers and the right currency.
What does the paid plan add?
Your next moves, ranked by how much each one helps (pay off this card first, add this much a month). It also tracks how your readiness changes over time, so you can watch your number climb.
How is my retirement age worked out?
We add up what you have and what you're still saving, compare it to what you'll spend, and find the earliest age your money would realistically last. Every step of that math is shown in plain words on the "how we worked this out" page — nothing is hidden.
What if I don't have all my documents handy?
Add what you have now — even one statement gives you a rough answer. We'll tell you exactly what's still missing and where to find it, and your answer gets sharper each time you add more.
Can I use this if I'm already retired?
Yes. The same math tells you whether your current savings and benefits are holding up, not just whether you can stop working in the future.
See the age you can retire.
Add one statement and you’ll have your first answer in minutes. Add more whenever you like, and your answer keeps up.
No credit card · works in the US and Canada
