Retirement Planning for Individuals & Couples
See exactly when you can stop working — whether you're planning solo or as a couple
Most retirement calculators are built for one person — and still can't tell you when you're done.
ExitAge models retirement for individuals and couples, and answers the question that actually matters: when can you stop working?
Model your 401k, IRA, investments, and mortgage — for yourself or as a couple.
🔒 No credit card required • Cancel anytime
Be among the first to find your financial freedom date. Early adopters are already modelling their retirement — when will yours arrive?
Join Early Access — 14-Day Free TrialBuilt for individuals and couples
Plan your retirement solo or with a partner. Model different retirement ages, combined incomes, and shared expenses — ExitAge tells you exactly how many years your money will sustain your lifestyle, whoever you're planning for.
Every asset at its own return rate
Your property doesn't grow the same way as your super or savings. ExitAge models each asset individually with its own return rate — your actual picture, not a generic estimate.
Liabilities included, not ignored
Most tools skip your mortgage, loans, and debts. ExitAge treats liabilities as core inputs — because they're the single biggest drag on your financial runway, whether you carry them alone or together.
How ExitAge Works
Enter your financial picture
Add your assets (super, property, savings, investments) and liabilities (mortgage, loans). Each asset carries its own projected return rate.
Set your retirement spending target
Tell ExitAge how much you want to spend each year in retirement — your lifestyle, your number. Planning as a couple? Model combined income, shared expenses, and different retirement ages in the same plan.
See your runway in real time
ExitAge calculates exactly how many years your money will sustain that lifestyle — and shows you how the number changes when you adjust any input instantly.
Built by a CPA and finance professional who was frustrated with every retirement calculator available. ExitAge was built to answer the one question they all avoid: not 'are you on track?' — but 'how long will it last?'
Why Traditional Calculators Fall Short — for Individuals and Couples
| Standard calculators | ExitAge | |
|---|---|---|
| Who it's for | Usually one person only | Individuals and couples — plan together or solo |
| What it tells you | ‘Are you on track?’ — pass/fail | Exactly how many years your money will last |
| Asset handling | Lump sum total only | Each asset at its own return rate |
| Liabilities | Usually ignored | First-class input — mortgage, loans, debts |
| Retirement spending | Generic withdrawal rate (e.g. 4% rule) | Your defined spending target — your lifestyle |
| Output | A balance target or a percentage | A duration in years — your retirement runway |
| Real-time modelling | Usually static — submit and wait | Adjusts instantly as you change any input |
Start your free 14-day trial — see your runway today
Start My Free TrialAbout ExitAge
Built by Someone Who Got Tired of Guessing
ExitAge was built by Warren Brown, a Melbourne-based Chartered Accountant who tried every retirement calculator and kept asking the same question they all refused to answer:
“When can I actually stop working?”
Portfolio projections didn't help. “Are you on track?” percentages didn't help. He needed one number: years of freedom.
So he built ExitAge to answer the question that matters — not are you ready, but when are you free.
No products sold. No commissions earned. One fee. One answer.
Retirement Planning for Individuals & Couples — Start Free Today
- Built for individuals and couples
- Full access to all features
- Unlimited scenarios
- Cancel anytime
After 14 days, choose monthly ($9) or annual ($69/year — save 36%). Or cancel with one click. Your choice.
Common questions
No. Your 14-day trial starts the moment you create your account — no credit card required. After 14 days, you'll choose a monthly or annual plan (or cancel with one click). We'll only ask for payment details if you decide to continue.
You'll get an email on Day 11 reminding you your trial is ending. On Day 14, you choose: continue with a monthly or annual plan, or cancel. If you cancel, your account locks but your data is saved for 30 days in case you come back.
Free retirement calculators give you a pass/fail grade or a portfolio projection. ExitAge answers a different question: when are you financially free? Our real-time scenario engine, multi-asset modelling, and liability integration require ongoing development and infrastructure. We charge one transparent fee instead of selling you investment products or earning commissions from your portfolio.
Yes. Your data is encrypted in transit and at rest using bank-level AES-256 encryption. ExitAge does not connect to your bank, super fund, or any financial institution directly. You enter figures manually — we model them, we never touch them. No financial data is shared with third parties.
ExitAge is available globally and is currently used by people in Australia, New Zealand, the United Kingdom, the United States, Canada, the Netherlands, and across the Nordics. The tool supports any currency and any asset type — super, KiwiSaver, SIPP, ISA, 401k, RRSP, and more. Pricing is shown in your local currency at checkout.