Planning Tool · Retirement Income

Retirement Income
Planner

Model your retirement cash flow by combining portfolio withdrawals, Social Security benefits, pension income, and healthcare costs. Stress-test your plan against inflation and sequence-of-returns risk.

HOW TO USE THIS TOOL

Enter your current age, planned retirement age, and life expectancy target.

Input your portfolio balance, expected annual return, and withdrawal rate.

Add Social Security benefit estimates, pension income, and projected healthcare costs.

The planner projects annual income, portfolio longevity, and identifies potential shortfalls.

Free Self-Help Tool

Enter Your Information

Current age

Retirement age

Years in retirement ?How many years after retirement should your money last? or until age 100

Current nest egg

Monthly contribution

Inflation rate (%) ?Long-run average is ~2.5%. Higher inflation erodes purchasing power.

Est. tax rate in retirement (%) ?Applied to pre-tax withdrawals. Roth withdrawals are tax-free.

Account type split (% of nest egg) ?Pre-tax (401k/IRA) taxed on withdrawal. Roth grows tax-free. Taxable has capital gains tax.

Pre-tax%

Roth%

Taxable%

Monthly Social Security ?Your estimated monthly benefit. Check ssa.gov for your estimate.

SS claiming age

Annual pension income ?Annual pension or annuity income starting at retirement.

Annual healthcare cost ?Fidelity estimates ~$165K per person total in retirement. Enter your annual estimate.

Healthcare inflation (%/yr)

Comfort level with investment risk

Projected Nest Egg

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Annual Pre-Tax Income

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Post-Tax Income

blended rate

Years Funded

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Probability of Success ?Based on 1,000 Monte Carlo simulations with randomized annual returns. Shows % of scenarios where money lasts through retirement.

Running simulation...

Based on 1,000 simulated scenarios. Not a guarantee of future results.

Portfolio Allocation

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Withdrawal Strategy Comparison ?Compare fixed annuity, the 4% rule, and a dynamic guardrails approach.

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Savings Accumulation Years

Retirement Distribution Years

Healthcare Cost Projection ?Healthcare costs typically inflate faster than general living costs.

Year 1 Cost

Cumulative Total

Final Year Cost

Sensitivity Analysis

Scenario	Nest Egg	Annual Income	Years

Customize Your Target Nest Egg

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Scenarios to Consider

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This retirement planning tool is provided for informational and educational purposes only. The initial allocations and projections generated are based on general assumptions and a standardized model, which may change at any time, and do not account for all factors that may influence your personal financial situation. Projections are hypothetical in nature and are not guarantees or predictions of investment performance, future returns, or outcomes. All calculations are approximations for illustrative purposes and may not reflect real-life results. Past performance does not guarantee future results. This tool does not provide personalized financial, tax, or legal advice, and use of this tool does not create an advisory relationship. Before making any financial, investment, or retirement decisions, please consult a qualified financial advisor. Neither CleverAlpha nor any of its affiliates, agents, or representatives are responsible for any errors or omissions, or for any loss or damages arising directly or indirectly from the use of or reliance on this tool or its results.

Retirement IncomePlanner