Retirement Income Calculator
See the income your savings can safely pay you.
Result
How to use
- Enter your values in the fields above.
- Press Calculate to see your result instantly.
- Use the Share button to copy a link to your result.
About this calculator
Once savings replace a paycheck, the key question shifts from 'how much have I saved' to 'how much can I safely spend each year without running out.' This calculator applies a chosen withdrawal rate — a percentage of the total nest egg, such as the well-known 4% rule as a starting reference point — to your savings balance to estimate the sustainable annual or monthly income it can provide.
Retirement planners and pre-retirees use withdrawal-rate math to test whether a given balance can realistically fund a target lifestyle, and to see how adjusting the withdrawal percentage trades off income today against the risk of depleting savings decades into retirement. Because sustainable withdrawal rates depend on market returns, inflation, and time horizon, this calculator is a starting estimate to stress-test against different assumptions, not a guarantee.
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