What two more years may add
Two working years can add income and contributions while postponing the years when the portfolio needs to fund living costs. They may also replace lower earning years in a Social Security record for some people.
What the comparison should include
Include after-tax spending, debt payoff, healthcare, expected savings, and any part-time income. A comparison that only changes the retirement age can hide the decisions that make the additional work years matter.
Make room for the non-financial answer
A stronger model result is useful context, not an instruction. Health, caregiving, work satisfaction, and plans for retirement belong in the decision alongside the numbers.
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.