Interactive retirement planning
See the income your savings may need to create.
Model retirement timing, desired monthly income, and an illustrative income-rate scenario before bringing the numbers into a complete plan.
Adjust your assumptions
Real-time projectionMethod: projected savings grow at the selected annual rate, then the selected income rate is applied to the projected balance. Taxes, inflation, fees, and product terms are not included.
Illustrative output
Monthly Gap: $3,431/mo deficit
Results are hypothetical and use only the assumptions selected above. The income rate is not a safe-withdrawal recommendation, annuity payout rate, product quote, or guarantee. Results exclude market variability, inflation, taxes, fees, surrender charges, liquidity limits, and contract terms. Any insurance guarantees depend on the issuing insurer's claims-paying ability.
Read full disclosuresImportant context
How should this estimate be used?
This tool illustrates the relationship between savings, time, growth, and an income-rate assumption. It does not calculate a sustainable withdrawal rate or guaranteed lifetime income. A retirement income strategy should also test taxes, inflation, market sequence, longevity, liquidity, fees, and any product-specific contract terms.