How does the retirement income calculator work?

This calculator evaluates your retirement savings, Social Security benefits, pensions, and investment returns to estimate your monthly retirement income. All calculations are done locally in your browser for privacy.

What retirement income sources should I consider?

Key sources include: 401k/IRA withdrawals, Social Security benefits, employer pensions, rental income, investment dividends, and part-time income. This calculator supports multiple custom income sources.

What is the 4% safe withdrawal rule?

The 4% rule is the gold standard for retirement planning: withdraw 4% of your portfolio annually, adjusted for inflation, to sustain 30 years of retirement. Example: $1,000,000 savings = $40,000/year ($3,333/month).

How do I estimate Social Security benefits?

US Social Security benefits are based on your 35 highest-earning years. Check your estimate at SSA.gov. This calculator allows manual entry of your estimated monthly benefit.

How does inflation affect retirement income?

At 3% annual inflation, $1 today will only be worth about $0.55 in 20 years. This calculator supports inflation adjustment to show real purchasing power.

Completely secure. All calculations are performed locally in your browser. Your financial data is never uploaded to any server. Works offline.

🏠 Home › Tools › Retirement Income Calculator

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Retirement Income Calculator

Plan multiple income streams and estimate monthly retirement income

🛡️ Client-side Only

📊 Retirement Savings & Investments

Total Retirement Savings ($)Total balance across 401k, IRA accounts

Expected Annual Return (%)Conservative estimate 4-6%

Expected Withdrawal PeriodPlanned withdrawal years after retirement

Expected Inflation Rate (%)Historical average ~3%

💰 Monthly Income Sources

Social Security ($/mo)Check SSA.gov for estimate

Employer Pension ($/mo)If you have a pension plan

Rental Income ($/mo)Monthly net rental income

Other Income ($/mo)Part-time, dividends, annuities

📅 Monthly Total Income
$0

🏦 Monthly Withdrawal

📈 Other IncomeTotal

SS + Pension + Rental + Other

📋 Income Breakdown

Income Source	Monthly	Annual	Share

📘 Retirement Income Planning Guide

4% Safe Withdrawal Rule

The 4% rule is the gold standard for retirement planning：Extract 4% of savings annually, inflation-adjusted, to last 30 years. E.g., $500,000 savings = $20,000/year ($1,667/month).

Diversified Income Sources

Ideal retirement income comes from multiple channels: Social Security (base), retirement account withdrawals (primary), pensions (if any), investment dividends, and rental income (supplemental).

Inflation Protection

At 3% inflation, purchasing power drops ~60% over 30 years.Consider inflation-resistant assets (stocks, real estate) and adjust withdrawals periodically.