Retirement Income Calculator
Calculate total retirement income from all sources: Social Security, pension, 401(k), IRA, and investments.
Retirement Income Inputs
First-Year Income
🏖️$48,000
Monthly Income (Year 1)
📅$4,000
Final-Year Income (Inflated)
📈$100,501
In 25 years
Portfolio Value
💰$1,200,000
Growth Over Time
AI Insights
Personalized analysis based on your inputs
Inflation-Adjusted Withdrawals
Your withdrawals should increase with inflation each year to maintain purchasing power, starting from 4% in year one.
📅 Future Projections
| Year | Total Value | Contributions | Growth | Real Value |
|---|---|---|---|---|
| 2031 | $1,524,979 | $1,260,000 | $264,979 | $1,315,461 |
| 2036 | $1,920,366 | $1,320,000 | $600,366 | $1,428,933 |
| 2041 | $2,401,415 | $1,380,000 | $1,021,415 | $1,541,377 |
| 2046 | $2,986,685 | $1,440,000 | $1,546,685 | $1,653,655 |
| 2051 | $3,698,754 | $1,500,000 | $2,198,754 | $1,766,546 |
| 2051 | $3,698,754 | $1,500,000 | $2,198,754 | $1,766,546 |
| 2051 | $3,698,754 | $1,500,000 | $2,198,754 | $1,766,546 |
📥 Download & Export
Formula Used
Retirement Income Projection
Variables
SWR= Initial safe withdrawal rateExample
$1.2M at 4% = $48,000 year 1, growing with inflation each subsequent year
Frequently Asked Questions
Related Calculators
More tools you might find useful
Disclaimer: This calculator is for informational and educational purposes only. Results are estimates based on inputs you provide. They are not financial, tax, investment, or legal advice. Consult a qualified financial professional before making financial decisions. Actual results may vary based on market conditions, tax laws, and individual circumstances.