Use one baseline
Keep spending, investment, inflation, and longevity assumptions the same in both scenarios. Change the date first, so the tradeoff is easier to understand.
Look at bridge years
The years between leaving work and claiming Social Security can place different pressure on savings. Compare income and withdrawals year by year.
Keep the decision human
A modeled result does not decide for you. It helps clarify what working longer may buy and what retiring earlier may require.
Apply this to your plan
Compare your retirement dates privately
Use the interactive demo to test a retire-now and work-longer scenario with your own assumptions. No account is required to begin.
Educational only: This is general information, not individualized investment, tax, legal, or financial advice.