Welcome to our Interactive Optimal Retirement Income Calculator!
This optimal retirement income calculator was developed based on Award Winning Research. In 2015, this work was recognized by The American College of Financial Services, and in 2018 by the CFP® board of standards.
What is retirement income?
We define retirement income as total after-tax income available to you for both discretionary and non-discretionary expenses.
Retirement Income = Discretionary Expenses + Non-discretionary Expenses
Instructions for Use
- Click the launch image below to open the web application. For best results, we recommend either Google Chrome
or Apple Safari 
web browsers. - Modify all the inputs to match your individual situation, including your retirement income needed throughout retirement.
- Click or hover your mouse over the question mark
for additional information and context behind each input. - Click the
button to calculate your optimal retirement income solution. The calculator will then determine how to meet this need from your retirement accounts, non-retirement accounts, and other sources of income like social security. The forecast includes important variables such as inflation, income taxes, capital gains taxes and asset allocation, all of which can be set by you. - Read the “Summary of Plan” and “Next Steps”, found immediately below the “Start Calculations” button.
- Scroll down the page to see the graphical forecast used to support your future retirement income needs.
- Print the page using the print icon
at the bottom of the page for future reference, and visit our Frequently Asked Questions (FAQ) for more information on how this calculator works.
Launch the Retirement Income Calculator App Here!
We hope you find it useful in planning for your retirement income!
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