Retirement Income Calculator
Estimate the monthly income your nest egg can provide, combined with Social Security or a pension. It applies a sustainable withdrawal rate to your savings and adds your other income.
Your details
- From your savings
- $3,333.33
- Annual from savings
- $40,000.00
Income sources
- From savings
- $3,333.3363%
- Other income (SS/pension)
- $2,000.0037%
Formula
Annual income from savings = savings × withdrawal rate. Divide by 12 for the monthly figure, then add any other monthly income to get your total.
How it works
The withdrawal rate is the lever: 4% a year has historically lasted about 30 years, but a lower rate is safer for a long retirement and a higher one risks running out. Layering Social Security or a pension on top reduces how much you need from savings.
Frequently asked questions
How much income will my savings give me?⌄
At a 4% withdrawal rate, every $1,000,000 provides about $40,000 a year, or roughly $3,333 a month, before taxes. Adjust the rate for a more or less conservative plan.
What withdrawal rate is safe?⌄
The 4% rule is the common benchmark for a ~30-year retirement. Many planners use 3–3.5% for longer retirements or cautious assumptions, and higher rates raise the risk of depleting savings.
Is this income before or after tax?⌄
Before tax. Withdrawals from Traditional accounts are taxable, so your spendable income may be lower depending on your account mix and tax situation.
Sources & methodology
Savings × withdrawal rate ÷ 12, plus other income. Before tax; excludes inflation adjustments and market variability. Not financial advice.
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