The average retirement age in every state

Choosing the right retirement age is as difficult as it is important. Retiring too early could leave you short on savings years into your retirement. A premature retirement can also cost you a chunk of your annual Social Security income.

SmartAsset's free retirement calculator can help you decide when to retire.

On the other hand, if you wait too long to retire, you may miss out on some of the experiences you have planned for your golden years. Sticking with your job once you're ready to retire can be stressful and exhausting.

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Damian J. Sylvia

Retirement Income Solutions

220 Monmouth Road

Oakhurst, NJ 07755