Retirement Income Calculator

Use our free retirement income calculator to estimate your total income in retirement. Account for portfolio withdrawals, Social Security benefits, and pension income to see your monthly cash flow and portfolio longevity.

Financial

Currency

Total Retirement Corpus

Annual Withdrawal Rate (%)

Expected Retirement Length (years)

years

Expected Annual Return in Retirement (%)

Annual Social Security Income

Annual Pension Income

Formula

Plan your retirement income streams with this comprehensive calculator. See your total annual and monthly income from portfolio withdrawals, Social Security, and pensions, plus how long your portfolio will last.

Total Income = Portfolio Withdrawal + Social Security + Pension

Percentage: The percentage value you want to apply

Number: The original number or value

Result: The calculated result

How It Works

1Enter your total retirement corpus and desired withdrawal rate.
2Input your expected retirement length and portfolio return rate in retirement.
3Add any Social Security and pension income you expect to receive.
4See your total annual and monthly retirement income.
5The calculator also shows your portfolio balance at the end of retirement.

Examples

$1M corpus, 4% withdrawal, 30 years, 5% return, $24k Social Security, no pension

1.Annual withdrawal = $1M × 4% = $40,000
2.Social Security = $24,000
3.Total annual income = $40,000 + $24,000 = $64,000
4.Monthly income = $5,333

Result: $64,000

Frequently Asked Questions

The traditional 4% rule has been a standard recommendation. However, many experts now suggest 3-4% depending on market conditions, retirement length, and your portfolio allocation.

This depends on your withdrawal rate, portfolio return, and expenses. At 4% withdrawal with 5% returns, your portfolio can last 30+ years. Higher withdrawals or lower returns deplete savings faster.

Yes, for most retirees Social Security is a significant income source. Delaying benefits until age 70 increases your monthly benefit by about 8% per year beyond full retirement age.

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Retirement Income Planning

CalculateMe Team

Last updated: 2026-07-16

How It Works

1Enter your total retirement corpus and desired withdrawal rate.

2Input your expected retirement length and portfolio return rate in retirement.

3Add any Social Security and pension income you expect to receive.

4See your total annual and monthly retirement income.

5The calculator also shows your portfolio balance at the end of retirement.

Frequently Asked Questions

The traditional 4% rule has been a standard recommendation. However, many experts now suggest 3-4% depending on market conditions, retirement length, and your portfolio allocation.

This depends on your withdrawal rate, portfolio return, and expenses. At 4% withdrawal with 5% returns, your portfolio can last 30+ years. Higher withdrawals or lower returns deplete savings faster.

Yes, for most retirees Social Security is a significant income source. Delaying benefits until age 70 increases your monthly benefit by about 8% per year beyond full retirement age.

Retirement Income Calculator

Formula

How It Works

Examples

$1M corpus, 4% withdrawal, 30 years, 5% return, $24k Social Security, no pension

Frequently Asked Questions

What is a safe withdrawal rate?

How long will my savings last?

Should I include Social Security in my income plan?

Related Calculators

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Retirement Income Calculator

Formula

How It Works

Examples

$1M corpus, 4% withdrawal, 30 years, 5% return, $24k Social Security, no pension

Frequently Asked Questions

What is a safe withdrawal rate?

How long will my savings last?

Should I include Social Security in my income plan?

Related Calculators

Related Articles