Retirement Income Calculator

Rules of thumb suggest 70–90% of pre-retirement income, but the right number is your expected expenses: housing, healthcare, travel, and taxes. Inflation means today’s dollars understate future needs — always model inflation explicitly.

Common approaches include systematic withdrawals from invested portfolios, annuities, bond ladders, dividends, and part-time work. Many retirees combine taxable, tax-deferred, and Roth accounts to manage tax brackets year by year.

Income (cash flow) is what pays bills. Portfolio balance supports that income through withdrawals and growth. Planning both together — desired income, safe withdrawal rates, and longevity — gives a clearer picture than balance alone.