Retirement Paycheck Calculator

Model monthly income from your own investment portfolio — no annuity required. Enter your savings, withdrawal amount, and guaranteed income sources to see a year-by-year projection.

Currently optimized for U.S. retirement planning. Support for additional countries is planned.

How would you like to start?

Use the calculator independently, or prefill compatible information from one of your saved retirement plans.

Quick scenarios — click to pre-fill

Your Retirement Details

Current Age

Retirement Age

Life Expectancy

Use 90–95 to plan conservatively for longevity.

Portfolio Value Today

Total saved across all retirement accounts today.

Expected Annual Return

Inflation Rate

Annual Investment Fees

Monthly Withdrawal from Portfolio

Your target total monthly income. Any Social Security, pension, or other guaranteed income you add below reduces how much of this is drawn from the portfolio.

Income target as % of current portfolio

A shortcut for the monthly target above (this % × current portfolio ÷ 12). This is not the “Withdrawal Rate” shown in the results — that one is the actual portfolio draw after guaranteed income, measured against your retirement-date balance.

Increase withdrawals with inflation each year

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Retirement Calculator·Safe Withdrawal Calculator·Roth Optimizer·RMD Calculator·Social Security Calculator·SS Bridge Calculator·Portfolio Lab·DIY Retirement Income Guide·Methodology

Disclaimer: This calculator is for educational and illustrative purposes only. It does not constitute financial, tax, legal, or investment advice. Projections use simplified assumptions and do not account for taxes on withdrawals, Required Minimum Distributions, Social Security tax thresholds, healthcare costs, or individual circumstances. Past investment returns do not guarantee future performance. Consult a qualified financial professional before making retirement income decisions.