Retirement Plan Income Calculator
Estimate how much monthly retirement income your savings could support. This planner follows the same general inputs as NRIPage’s retirement income calculator: savings, annual contributions, ages, optional inflation on contributions, tax-deferred growth, separate returns before and during retirement, inflation, and current vs. retirement marginal tax rates.
Estimated net monthly income
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Projected savings at retirement
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Estimated gross monthly income
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Net monthly income (inflation-adjusted model)
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Income projection
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Savings total before taxes
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Savings total after taxes
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Value of savings today (after inflation)
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Monthly retirement income comparison
Income taxes
| Age | Investments | Interest | Taxes | Savings Balance |
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How to Use This Calculator
- Enter savings, annual contribution, and your current and planned retirement ages. Income is projected through age 95.
- Use Investment returns, taxes and inflation to adjust returns before and after retirement, inflation, and tax rates (defaults apply if left blank).
- Use Increase deposits with inflation to grow your annual contribution each year by the inflation rate.
- Check Calculate savings to be tax-deferred if growth is not modeled with your current marginal rate on returns.
- The chart compares nominal level income to the inflation-adjusted payout model. Scroll to the year-by-year savings report (like NRIPage’s full report) and export with Excel or PDF.
Frequently Asked Questions
How is net income calculated?
Withdrawals are reduced by your retirement marginal tax rate. The inflation-adjusted series uses the same real-payment annuity approach as the main projection.
Does this guarantee my money lasts?
No. Actual returns and inflation vary; this is a planning model.
