Most people retire with a number in mind for their savings, but no clear answer on the paycheck it can produce. This calculator gives you that answer in about two minutes, including the income level your money could sustain for life.
Try the calculatorHow much can I take out each year without running out? What is the most I could take if I plan to age 95? And what happens to those numbers if the market drops early in my retirement? This tool answers all three, on one screen.
The annual or monthly amount your portfolio is projected to sustain indefinitely, with your income rising 2.5% per year to keep pace with inflation.
The highest income your portfolio could support through a full retirement, with a year by year picture of your balance and every dollar withdrawn along the way.
One click stress tests your plan with a market downturn in your first two years of retirement, the single biggest risk to a retirement paycheck.
Choose a Global Core portfolio, enter your balance and ages, then drag the income slider. Hover over any income bar to see that year's income, your total income received, and the account balance that would remain for your family.
Many income projections are built to impress you. They project the best market years forward and make almost any withdrawal look safe. We deliberately do the opposite.
The return assumptions in this calculator sit at or below what major institutional forecasters project for the next 10 to 15 years, and they are net of advisory fees. If the market does better than we assume, your reviews become good news. If we assumed the best and the market delivered average, you would find out years too late.
We would rather under promise and over deliver. That is how we build every plan at Jantz Wealth Solutions, and this calculator is no exception.
A calculator can show what a portfolio can pay. It cannot coordinate that income with Social Security, taxes, guaranteed income, and what you want to leave behind. That is what a retirement designed around you looks like, and it starts with a complimentary discovery meeting.
Schedule a discovery meeting