Your Retirement
Paycheck Calculator
This calculator helps you explore how different retirement timelines may affect the amount your portfolio could sustainably support each year.
The estimates are inspired by historical safe withdrawal research from financial planner Bill Bengen, author of A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More.
Adjust your planning horizon to see how your estimated retirement paycheck changes over time.
Enter the portfolio value you expect to have when you begin taking retirement withdrawals.
This is the number of years you want your retirement withdrawals to be designed to support.
Inflation assumptions are used to illustrate how retirement withdrawals may increase over time to help maintain purchasing power as living costs change.
Estimated Monthly Retirement Paycheck
Annual Income
Starting Withdrawal Rate
Planning Timeline
Based on a 30-year planning timeline and a 4.68% historical starting withdrawal rate.
How your paycheck may change over time.
The starting withdrawal rate is based on historical research that assumed withdrawals would be adjusted annually for inflation to help maintain purchasing power as living costs change.
| Year | Monthly Paycheck | Annual Income |
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These projections are illustrative and use your selected inflation assumption. Actual inflation and spending needs will vary.