My 1st contract was 6 yrs guard, 2nd 5 yrs active, now I am going back to guard. When will I be able to retire?

20 years... If you retire from the Guard or Reserve you have to have 20 "good" years. After you have completed 20 years you'll get a 20 Year Letter... Keep track of your "Retirement Points Worksheet" so you can make sure you have all the points you are entitled to.

You'll have to wait until you are 60 to collect if you don't have 20 years of Active Federal Service. unless you've been deployed...

I am not sure how Title 32 Active Duty is counted if there is a "State Call-Up" as far as retirement is concerned... I'm also not sure how your Active Duty time counts towards the lowering of the retirement age. Ask your S1 about your specific situation.

Retirement Age [1]
A member is generally not eligible for Reserve (non-regular) retired pay until they reach age 6o. However, any member of the Ready Reserve who is recalled to active duty or, in response to a national emergency, is called to certain active service after January 28, 2008, shall have the age 60 requirement reduced by 3 months for each cumulative period of 90 days so performed in any fiscal year after that date.

[1] http://militarypay.defense.gov/Pay/Retirement/reserve/

SGT (Join to see) Your best off contacting your local Retirement Services Office. They are best equipped to help you. You can find your local RSO at https://soldierforlife.army.mil/retirement/rso

Wow a lot of these responses are excellent thank you all for the help. Too many people to call out by name but if you said more than go to S1 (I'm in theatre and separated by a large distance from my S1 likely until I re deploy to the states still a valid statement but not especially helpful for the next several months) then you helped me cut through a lot of the confusion I have been having trying to figure some of this out.
For my first post here I'm amazed how helpful you all have been. Thank you for the warm welcome