Retirement Income Calculator
Estimate your total monthly income in retirement from savings, Social Security, and other sources.
Enter your numbers and select Calculate to see results.
About This Calculator
This calculator combines a sustainable withdrawal from your retirement portfolio (using a withdrawal rate you choose, commonly 4%) with Social Security and any other income sources like a pension, to estimate your total monthly retirement income.
How This Is Calculated
Total Income = (Portfolio × Withdrawal Rate ÷ 12) + Monthly Social Security + Other Income
A $900,000 portfolio at a 4% withdrawal rate provides $3,000/month, plus $2,200 Social Security, for $5,200/month total.
Assumptions
- Portfolio withdrawal is a simplified percentage-of-balance calculation, not a dynamic strategy that adjusts for market performance.
- Does not account for taxes on withdrawals or Social Security, which vary by your total income and state.
- Assumes Social Security and other income amounts stay constant, though Social Security typically receives annual cost-of-living adjustments.
Frequently Asked Questions
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Last updated January 15, 2026. Results are estimates for informational purposes only — read our disclaimer.