Finance Tools
Retirement Income Calculator
Estimate retirement income from your portfolio using a withdrawal rate. See annual and monthly retirement income based on your retirement savings.
Retirement Income Calculator
Estimate your retirement income from your investment portfolio using a withdrawal rate (for example, the 4% rule). This provides a simple planning baseline before taxes and real-world variability.
Estimated Retirement Income
From Portfolio (annual): $40,000
Total Income (annual): $40,000
Total Income (monthly): $3,333
How to estimate retirement income
A simple way to estimate retirement income is to multiply your retirement savings by a withdrawal rate. This approximation is often used for early planning, but real outcomes depend on investment returns, inflation, taxes, and spending flexibility.
FAQ
Is this guaranteed income?
No. This is a planning estimate. Market returns vary and withdrawals may need adjustment over time.
Does it include taxes?
No. This calculator estimates gross income. After-tax retirement income depends on account types and local tax rules.
How to use this retirement income calculator
- Enter your estimated retirement savings (portfolio value).
- Enter a withdrawal rate (e.g., 4%).
- Optionally enter other annual income sources (pension, social security).
- Review estimated annual and monthly retirement income.
Example
If you retire with $1,000,000 and use a 4% withdrawal rate, your portfolio may support about $40,000 per year (≈ $3,333 per month) before taxes.
- Portfolio = $1,000,000
- Withdrawal rate = 4%
- Annual income ≈ $1,000,000 × 0.04 = $40,000
- Monthly income ≈ $40,000 ÷ 12 = $3,333
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