Can I retire at 67?
Age 67 is full retirement age for most people approaching retirement today. Claiming Social Security at 67 generally avoids the early-claim reduction while delaying further grows the benefit until 70.
Key considerations at age 67
- Full retirement age means no reduction for claiming Social Security, but waiting until 70 still grows the benefit each year you delay.
- You are already enrolled in Medicare; IRMAA surcharges depend on income from two years prior.
- You have a roughly 6-year window before RMDs at 73; partial Roth conversions are still possible.
- Continuing part-time work after 67 has no Social Security earnings penalty.
Roth conversions and the pre-RMD window
A 67-year-old can still consider Roth conversions to smooth taxable income before RMDs. The window is narrower but the math can still work in a low-income year.
Estimate my Roth conversion windowRetirement age planning checklist
What has to be true before retiring at 67?
A good answer is not just a portfolio balance. Retiring at 67 works when fixed spending, healthcare, taxes, Social Security timing, and first-decade market risk fit together. Start by separating essential spending from flexible spending, then test how many years must be funded before Medicare, Social Security, pensions, or required distributions begin.
The most useful scenario is usually a three-part comparison: a base case where spending continues as planned, a stress case with lower returns or higher healthcare costs, and a flexibility case where travel, gifts, or discretionary purchases can be reduced temporarily. If the plan only works in the best case, the retirement date may need more cash reserves, part-time income, lower spending, or a delayed claim strategy.
Use this page as an educational starting point, then run the calculator with your actual savings, spending, Social Security estimate, and allocation. Bring the output to a qualified tax or financial professional before making irreversible decisions.
Inputs to gather
- Annual essential and flexible spending
- Taxable, traditional, and Roth account balances
- Social Security estimate at 62, full retirement age, and 70
- Healthcare premium and out-of-pocket assumptions
- One-time goals such as relocation, family help, or travel
Related retirement tools
See the math for your situation
The retirement calculator uses a deterministic engine to estimate a safe monthly spending range based on your inputs. Educational only; consider discussing your plan with a qualified tax or financial professional before acting.
Run my numbers in the calculatorThis page provides educational scenarios only. It is not a recommendation to retire, claim Social Security, or convert a Roth IRA at any particular age. Talk with a qualified professional for guidance specific to your situation.
See methodology for the assumptions used in the calculator and the Roth conversion window finder.