![\"older-senior-couple-full-retirement-age\"](\"https:\/\/www.newsbeep.com\/us\/wp-content\/uploads\/2025\/09\/11-older-senior-couple-full-retirement-age-shutterstock_155175464.jpg\")
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Commitment to Our Readers<\/p>\n
GOBankingRates’ editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services – our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines<\/a> and our products and services review methodology<\/a>.<\/p>\n 20 Years Trusted by Retirement ages vary across the country, but the bigger question is whether finances can cover the years ahead<\/a>. Some states see workers step away in their early 60s. Others push closer to 65. But that number alone doesn\u2019t show if the timing matches what\u2019s in the bank.<\/p>\n A study by John Stevenson<\/a> helps fill in the gap by calculating how many \u201cyears to retire\u201d it takes in each state. The formula divides a retirement goal by annual savings potential, which is wages minus expenses plus self-reported savings. <\/p>\n<\/p>\n Together with the average retirement age, according to the most recent analysis of U.S. Census Bureau data by Money Talks News<\/a>, the numbers reveal which states give residents a better shot at stopping work on time, and which stretch retirement further into the distance<\/a>.<\/p>\n Alabama California Missouri Some states show a clear advantage<\/a>, with Illinois and Minnesota both requiring only 26 years of saving, the shortest timelines in the country. Georgia comes in second with 27 years, while Michigan, Kansas, Texas and Virginia all needing 29 years to retire. These shorter timelines suggest that wages, expenses and savings habits are better aligned, making it more realistic for workers to retire on time<\/a>, or even a little earlier.<\/p>\n<\/p>\n States Where Retirement Is Out of Reach<\/p>\n On the other end of the scale, California and Massachusetts need a staggering 71 years of saving \u2014 longer than most working lifetimes. Maine and Vermont also stand out, with timelines above 50 years. Hawaii faces the most difficult scenario of all: According to the John Stevenson figures, average wages don\u2019t cover people\u2019s retirement needs<\/a> at all.<\/p>\n","protected":false},"excerpt":{"rendered":"\u00a9Shutterstock.com Commitment to Our Readers GOBankingRates’ editorial team is committed to bringing you unbiased reviews and information. We…\n","protected":false},"author":2,"featured_media":177275,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[28,17299,147,530,14811,1666],"class_list":["post-177274","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-gobankingrates","tag-personal-finance","tag-personalfinance","tag-planning","tag-retirement"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/177274","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/comments?post=177274"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/177274\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media\/177275"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media?parent=177274"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/categories?post=177274"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/tags?post=177274"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon-20.svg?webp=1&quality=75\"){kind=icon}
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Helping You Live Richer<\/p>\n![\"\"](\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon-experts-review.svg?webp=1&quality=75\"){kind=icon}
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Millions of Readers<\/p>\n
\nAverage retirement age: 62
\nYears to retire: 34
\nAlaska
\nAverage retirement age: 61
\nYears to retire: 56
\nArizona
\nAverage retirement age: 63
\nYears to retire: 48
\nArkansas
\nAverage retirement age: 62
\nYears to retire: 38<\/p>\n
\nAverage retirement age: 64
\nYears to retire: 71
\nColorado
\nAverage retirement age: 64
\nYears to retire: 31
\nConnecticut
\nAverage retirement age: 65
\nYears to retire: 35
\nDelaware
\nAverage retirement age: 64
\nYears to retire: 32
\nFlorida
\nAverage retirement age: 63
\nYears to retire: 41
\nGeorgia
\nAverage retirement age: 62
\nYears to retire: 27
\nHawaii
\nAverage retirement age: 65
\nYears to retire: Not able to retire on an average wage
\nIdaho
\nAverage retirement age: 63
\nYears to retire: 47
\nIllinois
\nAverage retirement age: 64
\nYears to retire: 26
\nIndiana
\nAverage retirement age: 63
\nYears to retire: 34
\nIowa
\nAverage retirement age: 65
\nYears to retire: 33
\nKansas
\nAverage retirement age: 65
\nYears to retire: 29
\nKentucky
\nAverage retirement age: 62
\nYears to retire: 37
\nLouisiana
\nAverage retirement age: 62
\nYears to retire: 41
\nMaine
\nAverage retirement age: 64
\nYears to retire: 54
\nMaryland
\nAverage retirement age: 65
\nYears to retire: 31
\nMassachusetts
\nAverage retirement age: 65
\nYears to retire: 71
\nMichigan
\nAverage retirement age: 63
\nYears to retire: 29
\nMinnesota
\nAverage retirement age: 64
\nYears to retire: 26
\nMississippi
\nAverage retirement age: 62
\nYears to retire: 44<\/p>\n
\nAverage retirement age: 63
\nYears to retire: 30
\nMontana
\nAverage retirement age: 63
\nYears to retire: 46
\nNebraska
\nAverage retirement age: 64
\nYears to retire: 32
\nNevada
\nAverage retirement age: 63
\nYears to retire: 47
\nNew Hampshire
\nAverage retirement age: 65
\nYears to retire: 43
\nNew Jersey
\nAverage retirement age: 65
\nYears to retire: 37
\nNew Mexico
\nAverage retirement age: 63
\nYears to retire: 34
\nNew York
\nAverage retirement age: 65
\nYears to retire: 43
\nNorth Carolina
\nAverage retirement age: 63
\nYears to retire: 35
\nNorth Dakota
\nAverage retirement age: 64
\nYears to retire: 32
\nOhio
\nAverage retirement age: 63
\nYears to retire: 33
\nOklahoma
\nAverage retirement age: 62
\nYears to retire: 34
\nOregon
\nAverage retirement age: 64
\nYears to retire: 44
\nPennsylvania
\nAverage retirement age: 64
\nYears to retire: 32
\nRhode Island
\nAverage retirement age: 64
\nYears to retire: 41
\nSouth Carolina
\nAverage retirement age: 63
\nYears to retire: 41
\nSouth Dakota
\nAverage retirement age: 64
\nYears to retire: 42
\nTennessee
\nAverage retirement age: 62
\nYears to retire: 32
\nTexas
\nAverage retirement age: 65
\nYears to retire: 29
\nUtah
\nAverage retirement age: 64
\nYears to retire: 45
\nVermont
\nAverage retirement age: 65
\nYears to retire: 55
\nVirginia
\nAverage retirement age: 64
\nYears to retire: 29
\nWashington
\nAverage retirement age: 64
\nYears to retire: 32
\nWest Virginia
\nAverage retirement age: 61
\nYears to retire: 32
\nWisconsin
\nAverage retirement age: 64
\nYears to retire: 38
\nWyoming
\nAverage retirement age: 63
\nYears to retire: 34
\nStates Where Retirement Is Within Reach<\/p>\n