Can I retire at 60 on $100k income? (married)

You asked about retiring at 60, but the math says you could stop working a full decade earlier — the real question is whether the numbers actually hold up.

You could retire at 50 — 5 years early (2041), but it would be tight

Your $132,000 in retirement savings paired with your $100,000 household income puts your earliest feasible retirement year at 2041, when you'd be 50 — but there's a painful gap waiting for you there: projected retirement income of $5,408 a month against estimated spending of $8,662 a month, a $3,254 monthly shortfall you'd need to close before pulling the trigger.

At age 50, your portfolio generates $5,408/mo from a 4% withdrawal rate. Retirement spending target: $8,662/mo. Plan covers 40 years. Budget for 15 years of private healthcare before Medicare at 65. This is tight — the next age up gives more cushion.

Early retirement success depends on purpose, social connections, and healthcare — not just money. Medicare starts at 65. "Tight" means SWR covers spending at retirement, but the full simulation (with taxes and inflation compounding) shows possible strain later.

That gap is the only number that matters right now — model what closing it actually requires so you know exactly what you're deciding.

For educational purposes only — not financial advice.