Retirement. The day we have been working for our entire life. Literally! Now you can calculate the number of days left of work before you get to enjoy your permanent vacation.

### Things You'll Need

- calculator

- calendar for this year (and possibly next year)

The first thing you need to do is to determine the date you intend to retire (I assume you are retiring on a weekday). For some people that have a seasonal job (like teachers or farmers), you may choose to wait to retire until the end of your season. For example, few teacher retire during the middle of the school year; most wait until the summer break to retire. Other people choose to retire on a date related to their day of birth. For example, some wait until they are eligible to receive Social Security at 62.

The rest of this article will help you calculate the number of days until retirement by hand. If you are interested in using Excel to calculate this number, scroll down to the Tips section at the bottom of the screen.

Once you have your date of retirement selected, subtract your retirement year from the current year. If the day you plan to retire has already passed for the current year, subtract one more from your number. For example, if you plan to retire on June 30 and today it is August 2, June 30 already happened this year, so you will have to subtract one more year from the number you obtained.

From the number you calculated in Step 2, divide that number by 7. Keep the number part and truncate the decimal. DO NOT ROUND.

For example, if you calculated 27 in Step 2, take 27 divided by 7 to get 3.857142857. Keep the 3 and ignore the numbers after the decimal.

From the number you obtained in Step 3, multiply that number by 1825.

Assuming a 5 day work week, you will work 261 days each year that begins on a weekday and 260 days that begins on a weekend. Every seven years, you will have worked five 261 work days and two 260 work days for a total of 1825 days.

From the number you obtained in Step 3, multiply that number by 7.

In our example, 3 x 7 = 21

Take the number you obtained in Step 2 and subtract the number you obtained in Step 5.

In our example, 27 - 21 = 6

From the number you obtained in Step 6, multiply that number by 261.

(NOTE: This Step may add an extra 2 days to your number of days until retirement. If you can look at calendars for as many years as you found in Step 6 starting with the current year and determine how many of those years started on a Saturday or Sunday, then subtract that number from this Step for more accuracy.)

From the number you calculated in Step 2, divide that number by 4. Keep the number part and truncate the decimal. DO NOT ROUND. This Step will account for leap years.

For example, if you calculated 27 in Step 2, take 27 divided by 4 to get 6.75. Keep the 6 and ignore the numbers after the decimal.

If the day you plan to retire has already passed for the current year, take out next year's calendar and circle the day of retirement. For example, if you plan to retire on June 30 and today it is August 2, June 30 already happened this year, so you will have to circle June 30 on next year's calendar.

If the day you plan to retire has NOT already passed for the current year, take out this year's calendar and circle the day of retirement.

From the circled date, go backwards and count the number of weeks between the circled date and today's date. For example, if you plan to retire on June 30, June 23 would be 1 week, June 16 would be 2 weeks. Notice that these dates will all occur on the same day of the week, so if June 30 is a Tuesday, count all the Tuesdays between today's date and the circled date (do NOT count the circled date).

From the number you obtained in Step 10, multiply that number by 5. (NOTE: Subtract 1 from this number if you passed through February 29th as it was already counted in Step 8. Most people will ignore this note as it is not applicable until March 2011.)

Count the number of days from today's date and the day of the week you used in Step 10.

Add the numbers you obtained in Steps 4, 7, 8, 11, and 12.

Congratulations. Keep the countdown going! Enjoy your Retirement.