Age at Retirement Date Calculator
Find your exact age on a chosen retirement date — or the date you reach a retirement age — with the time and workdays left, and how it compares with US Social Security, Mexican IMSS or Spanish pension ages.
How it works
age at retirement = retirement date − date of birth (years, months, days by calendar walking) · retirement date from an age = date of birth + age in months · time left = retirement date − today · Social Security: benefit = 100% − 5/9% × months early (first 36) − 5/12% × further months, or + 2/3% × months delayed after full retirement age (to 70)
Your exact age on your retirement date is worked out by walking the calendar from your birth date — whole years to your last birthday before that date, then the remaining months and days — rather than dividing by 365.25, so it matches how age is legally counted. You can also work the other way: enter the age you plan to retire at and get the date you reach it. The calculator shows your current age, the time left in years, months, weeks and days, and the Monday-to-Friday workdays still to go. To put the date in context it compares it with official pension ages: the US Social Security full retirement age for your birth year (with the share of the full benefit you would get by claiming then, and the 59½, 62, 65, 70 and RMD milestones), Mexico’s IMSS ages of 60 and 65 (with the Ley 73 percentage for early pensions), or Spain’s ordinary retirement age for the year you retire, with or without a long contribution record.
Worked example
Born June 15, 1975 and retiring June 30, 2040: you would be 65 years and 15 days old (65.04 years). Counted from October 18, 2026, that is 13 years, 8 months and 12 days away — 5,004 days, 164 months or 3,575 Monday-to-Friday workdays. Your Social Security full retirement age is 67, reached on June 15, 2042, so you would retire 1 year, 11 months and 16 days before it; claiming benefits at 65 years 0 months would pay 24 × 5/9% = 13.33% less, or 86.67% of the full benefit.
Sources: SSA — Benefits by year of birth · SSA — Delayed retirement credits · Seguridad Social — Edad de jubilación · IMSS — Pensión por cesantía en edad avanzada y vejez
Frequently asked questions
Why not just subtract the years?
Subtracting years alone ignores the months and days, and using 365.25-day years drifts by up to a few days. Calendar walking gives your true age — for example 64 years 11 months if you retire just before a birthday, not a rounded 65.
Can I find the date I reach a given age instead?
Yes. Switch “I know my” to Retirement age and enter the age in years and months, such as 66 years 10 months; the calculator gives the date you reach it and everything else from there.
How is the Social Security full retirement age set?
By birth year: 66 for 1943–1954, rising two months a year to 67 for anyone born in 1960 or later. People born on January 1 use the previous year. Claiming at 62 cuts the benefit by up to 30%, and waiting past full retirement age adds 8% a year until 70.
What retirement ages apply in Mexico and Spain?
In Mexico the IMSS pays an early old-age pension (cesantía) from 60 and an old-age pension (vejez) from 65, subject to the weeks of contributions your regime requires. In Spain the ordinary age is 65 with a long contribution record and otherwise 66 years 10 months in 2026 and 67 from 2027, with early retirement possible up to two years before.
How are the workdays left counted?
Every Monday to Friday after the count-from date and before the retirement date is counted. Public holidays and vacation are not taken out, so your real number of working days will be somewhat lower.
Does this account for pension amounts or taxes?
No. It is a date-and-age calculation with the official age rules for context; benefit amounts, contribution requirements and tax treatment depend on your record, so confirm the specifics with your pension provider.
Related calculators
For planning only — pension eligibility ages and rules vary by country and scheme; confirm details with your provider.