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Age Calculator
Calculate your exact age in years, months, and days from any birth date. Find age on a future date, days until next birthday, and age for any date range. Free instant calculator.
Age Milestones That Matter for US Financial Decisions
| Age | Financial Milestone |
|---|---|
| 18 | Can open independent credit card, sign contracts |
| 21 | Can rent a car without surcharge (most companies) |
| 26 | Must leave parents’ health insurance (ACA) |
| 50 | 401(k) catch-up contributions allowed (+$7,000) |
| 55 | 401(k) penalty-free access if separated from employer |
| 59½ | Penalty-free IRA and 401(k) withdrawals |
| 62 | Early Social Security eligibility (reduced benefit) |
| 65 | Medicare eligibility |
| 67 | Full Social Security retirement age (born 1960+) |
| 70 | Maximum Social Security benefit (delayed credits stop) |
| 73 | RMDs begin under SECURE 2.0 |
For Social Security benefit timing analysis, use our Social Security Calculator.
Frequently Asked Questions
Age in days = (Today's date − Birth date) in days. The calculator above does this instantly. For manual calculation: most years have 365 days, leap years have 366. The average year has 365.25 days. For a quick estimate: age in years × 365.25 ≈ days lived. Someone turning 35 today has lived roughly 35 × 365.25 = 12,784 days. The exact count depends on which leap years fell in your lifetime — the calculator accounts for all of these automatically.
Medicare Part A and B eligibility: age 65 (or earlier with certain disabilities). Social Security full retirement age (FRA): 67 for anyone born in 1960 or later. Early Social Security: 62 (with reduced benefit — roughly 30% less than FRA). Delayed retirement credits: each year past FRA up to 70 adds 8% to your benefit. Medicare enrollment window: 7 months around your 65th birthday (3 months before, birthday month, 3 months after). Missing this window triggers late enrollment penalties of 10% per year for Part B.
For most US legal and financial purposes, age advances on your birthday — you're legally 18 the day of your 18th birthday. For Social Security, the SSA considers you a certain age the day before your birthday (quirk of federal law). For RMDs (Required Minimum Distributions from retirement accounts), age 73 determines the year you must start taking distributions. For Roth IRA conversions and 72(t) distributions, your age as of the tax year matters, not the exact date. When in doubt, consult your plan administrator.
Penalty-free withdrawals from 401(k) and traditional IRA begin at age 59½ — the 10% early withdrawal penalty disappears. Roth IRA contributions (not earnings) can be withdrawn anytime penalty-free. Roth earnings are penalty-free at 59½ if the account has been open 5+ years. Required Minimum Distributions (RMDs) begin at age 73 for most accounts under SECURE 2.0 (passed 2022). Special rule: 401(k) funds are accessible at 55 (age of separation) for those who leave employment at 55 or older, without penalty.
For inherited IRA rules, the deceased's age at death and your relationship to them determine required withdrawal schedules. Spouses can treat an inherited IRA as their own. Non-spouse beneficiaries generally must withdraw all funds within 10 years under the SECURE Act (2019). For trusts and estate planning, age at various milestones (majority at 18, or trust-specified ages like 25 or 30) determines when distributions occur. Precise age calculation matters for these events — courts recognize the exact birth date, not rounded years.