Retirement Calculators
Retirement Income Calculator
Turn a retirement balance into sustainable income, and see how long the pot lasts at your chosen withdrawal rate.
Annual income from the pot
$30,000
- Total monthly income
- $4,500.00
- Pot lasts
- 40 years
- Balance after 30 years
- $572,207
Yr 2Yr 4Yr 6Yr 8Yr 10Yr 12Yr 14Yr 16Yr 18Yr 21Yr 23Yr 25Yr 27Yr 29Yr 31Yr 33Yr 35Yr 37Yr 39Yr 41
How this calculator works
Income = balance × withdrawal rate, increased with inflation each year
- withdrawal rate
- the share of the starting balance taken in year one
Important considerations
- Poor returns in the first years of drawdown do disproportionate damage.
- Tax on withdrawals is not modelled.
Related calculators
- Retirement CalculatorProject your retirement balance and the income it could sustain.
- Required Minimum Distribution CalculatorMinimum withdrawal required from a retirement account.
- FIRE CalculatorYour FIRE number and years to reach it.
- Social Security Benefit CalculatorEstimated benefit and the effect of claiming age.
- 401(k) CalculatorWorkplace plan balance including employer contributions.
- IRA CalculatorTraditional IRA balance at retirement.
Learn more
Terms used here
Frequently asked questions
Is 4% still a safe rate?
It is a starting point from historical studies, not a guarantee. Flexible spending matters more than the exact figure.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01