Learn about retirement

Plain-English guides to the rules and rules of thumb behind your retire year. Each one links to a calculator so you can try the numbers yourself.

• The 4% rule explained

  The 4% rule says you can withdraw 4% of your savings in year one of retirement, then adjust for inflation. How it works, its origins, and its limits.

• The rule of 55: early 401(k) withdrawals without the penalty

  The rule of 55 lets you take penalty-free 401(k) withdrawals if you leave your job in or after the year you turn 55. Who qualifies and the catches.

• Social Security at 62 vs. 67: when should you claim?

  Claiming Social Security at 62 cuts your check by up to 30% for life. Compare 62, 67 and 70, see the break-even age, and learn who should claim when.