Plan All Your Retirement Income Sources
Track Social Security, pensions, dividends, rental income, and portfolio withdrawals. See exactly how much income you'll have at every age through retirement.
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Retirement income is complex. You may have Social Security starting at 67, a pension at 65, dividends throughout, and portfolio withdrawals to fill the gaps. Our planner brings it all together.
- Track multiple income sources with different start dates
- Model inflation adjustments (COLA) for Social Security and pensions
- See income composition change as you age
- Identify income gaps that need to be filled by withdrawals
- Plan for survivor benefits if a spouse passes
Track Every Income Stream
Add all your expected income sources with their start dates, end dates, and inflation adjustments:
- Social Security: Model your benefit at different claiming ages (62-70)
- Pensions: Include COLA adjustments and survivor benefit options
- Dividends: Portfolio dividend income from your investments
- Rental income: Net rental income from investment properties
- Part-time work: Income from working in early retirement
- Custom sources: Royalties, business income, trust distributions, anything else
See How Income Changes Over Time
Retirement income isn't static. It changes as different income sources start and stop:
- Age 60-62: Portfolio withdrawals only
- Age 62: Spouse claims Social Security
- Age 65: Pension begins, part-time work ends
- Age 67: Your Social Security begins
- Age 73+: RMDs add to taxable income
Frequently Asked Questions
How much income do I need in retirement?
A common rule of thumb is 70-80% of your pre-retirement income, but it varies widely. Some people spend more in early retirement (travel, hobbies) and less later. Our planner lets you set spending goals by life phase.
What if my income doesn't cover my expenses?
The gap between income and expenses is filled by portfolio withdrawals. Our planner shows you this "income gap" at every age and calculates whether your portfolio can sustain those withdrawals.
Are income projections adjusted for inflation?
Yes. You can set each income source as inflation-adjusted or fixed. Social Security typically has COLA (Cost of Living Adjustments), while many pensions are fixed. We model this correctly.
What about taxes on retirement income?
Different income sources are taxed differently. Social Security may be partially taxable, pension income is usually fully taxable, and Roth withdrawals are tax-free. Our projections account for these differences.
Map Out Your Retirement Income Today
See exactly how much income you'll have at every age from every source.
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