Retirement Income Calculator | Global, Mobile-Ready, SEO Optimized

Retirement Income Calculator

Global, currency-flexible calculator to estimate sustainable retirement income — with a 3D doughnut breakdown and an educational guide.

Enter your details

Currency

Works worldwide. Choose any currency — calculations are currency-agnostic.

Current age

Target retirement age

Current savings

Monthly contribution

Expected annual return (%)

Expected annual inflation (%)

Expected years in retirement

Other retirement income (monthly)

Desired retirement income (monthly)

Income method

Withdrawal rate (% per year)

Assumed effective tax on withdrawals (%)

Annual investment fees (%)

Return buffer for safety (%)

No sliders — type exact values. Calculations are estimates for education only.

Results and 3D doughnut breakdown

Nest egg at retirement—

Sustainable monthly income (portfolio)—

Other monthly income—

Total monthly income—

Gap vs desired—

Real income (inflation-adjusted)—

Retirement income planning: A practical guide

Overview: Retirement income is about turning your savings into steady cash flow you can rely on. This calculator helps you estimate your future nest egg, project sustainable withdrawals, and combine them with other income sources to see your monthly picture.

Core drivers: How long you save, how much you contribute, your investment return after fees, inflation, and how long you expect to spend in retirement. Control what you can: contributions, costs, and asset mix to target a suitable risk-return profile.

Key concepts

Compounding: Returns earned on previous returns can accelerate growth when you contribute consistently.
Real vs nominal: Inflation reduces purchasing power. A nominal 6% return with 2.5% inflation is about 3.5% real.
Sequence risk: Poor early-retirement returns can stress a portfolio. A conservative withdrawal rate and a cash buffer can help.
Diversification: Spreading across assets and geographies can smooth volatility over time.

Two ways to estimate income

Sustainable withdrawal rate (SWR): Withdraw a small, inflation-adjusted percentage each year (e.g., 3–5%). Lower rates increase durability.
Fixed-term drawdown: Treat the nest egg like an annuity over a chosen number of years. This usually allows a higher payment but ends when the term ends.

Practical tips

Start early: Each year sooner can meaningfully raise your future income.
Automate: Automatic contributions reduce friction and missed months.
Lower fees: Even 0.5% per year compounds into a large difference over decades.
Review annually: Update contributions and revisit return assumptions and inflation.

Tip: If your projected income is below your desired amount, try increasing contributions, delaying retirement, or lowering the withdrawal rate.

Frequently asked questions

HOW TO use the Retirement Income Calculator?

Enter your ages, savings, monthly contributions, expected return, inflation, and retirement years. Choose either Sustainable Withdrawal Rate or Fixed-term Drawdown, then click Calculate to see your nest egg and income breakdown.

HOW TO choose between SWR and Fixed-term Drawdown?

Use SWR for lifelong sustainability with lower payments. Use Fixed-term if you plan a defined horizon (e.g., to a pension start date) and want higher near-term income.

HOW TO improve my projected retirement income?

Increase contributions, reduce fees, extend your working years, or adopt a diversified allocation to pursue an improved risk-adjusted return.

HOW TO interpret the 3D doughnut chart percentages?

Percentages show the share of income from investment withdrawals, other income sources, and any shortfall against your desired target.

HOW TO reset the calculator?

Click the Reset button to clear inputs and results. You can then enter fresh values.

```