Can I retire at 62?
Possibly—but the answer depends on more than the size of your savings. Retiring at 62 changes how long your money must last, when you claim Social Security, and how you cover healthcare before Medicare.
Four numbers that shape the answer
Your retirement lifestyle
Separate essential expenses from flexible spending and include costs that may change after work.
Social Security and pensions
Estimate when each income source begins and whether it keeps pace with inflation.
Healthcare before 65
Include premiums and out-of-pocket costs until Medicare begins—and after it starts.
Compare, don’t guess
Retire at 62
More time now, but fewer years to save and more years funded by your portfolio.
Retire at 64 or 65
Additional contributions, potentially higher Social Security, and a shorter healthcare bridge.
Questions to put into your plan
- What happens if spending is 10% higher than expected?
- Can you delay Social Security after leaving work?
- How will health insurance be covered from 62 to 65?
- Does the plan remain workable through a poor early market?
- What changes if you work one or two additional years?
NestClock provides educational projections, not individualized financial, tax, investment, or legal advice.
See whether age 62 fits your retirement.
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