Microsoft doesn’t set a retirement age — you can leave when you’re ready. For some, “ready” means as early as 55, especially with benefits like the 55/15 rule for RSU vesting. But while early retirement can mean freedom and fresh starts, it also comes with some risks and trade-offs.

For employees hoping to retire early, Microsoft’s “rule of 55” offers some major benefits. This rule lets long-term employees keep vesting their unvested stock awards even after leaving the company. This can be a game-changer for your retirement income, especially when paired with smart 401(k) withdrawals.