Lifetime Income Calculator

Your Retirement Inputs

Retirement Age (younger age if married)65

5080

Coverage Type

Total Portfolio at Retirement

Allocated to FIA$300,000

Market portfolio: $700,000

Target Net Monthly Income

After-tax, in today's dollars. Inflates 2%/yr.

Annual Social Security (Gross)

Estimated Effective Tax Rate18%

Plan Through Age (Longevity)90

70110

Historical Stress Test

Replace the 6% market growth with actual S&P 500 returns starting in the chosen year. Sequence wraps to 1928 if it runs out.

Legacy at 80

$1,111,164.64

Legacy at 90

$1,447,142.84

Portfolio Legacy Value Over Time

Stacked balances show what would pass on at each age.

Gross Income Sources Over Time

FIA stays level, Social Security grows with COLA, and portfolio withdrawals fill the inflation gap.

Year-by-Year Projection

Age	SS	FIA	Portfolio	Gross	Tax	Net	Legacy
65	$30,000	$23,100	$20,071	$73,171	$13,171	$60,000	$1,004,829
66	$30,600	$23,100	$20,934	$74,634	$13,434	$61,200	$1,009,769
67	$31,212	$23,100	$21,815	$76,127	$13,703	$62,424	$1,014,822
68	$31,836	$23,100	$22,713	$77,649	$13,977	$63,672	$1,019,991
69	$32,473	$23,100	$23,629	$79,202	$14,256	$64,946	$1,025,281
70	$33,122	$23,100	$24,564	$80,786	$14,542	$66,245	$1,030,693
71	$33,785	$23,100	$25,517	$82,402	$14,832	$67,570	$1,036,232
72	$34,461	$23,100	$26,490	$84,050	$15,129	$68,921	$1,041,902
73	$35,150	$23,100	$27,481	$85,731	$15,432	$70,300	$1,047,705
74	$35,853	$23,100	$28,493	$87,446	$15,740	$71,706	$1,053,646
75	$36,570	$23,100	$29,525	$89,195	$16,055	$73,140	$1,059,730
76	$37,301	$23,100	$30,577	$90,979	$16,376	$74,602	$1,065,960
77	$38,047	$23,100	$31,651	$92,798	$16,704	$76,095	$1,072,340
78	$38,808	$23,100	$32,746	$94,654	$17,038	$77,616	$1,078,876
79	$39,584	$23,100	$33,863	$96,547	$17,379	$79,169	$1,085,572
80	$40,376	$23,100	$35,002	$98,478	$17,726	$80,752	$1,111,165
81	$41,184	$23,100	$36,164	$100,448	$18,081	$82,367	$1,141,670
82	$42,007	$23,100	$37,349	$102,457	$18,442	$84,014	$1,172,821
83	$42,847	$23,100	$38,558	$104,506	$18,811	$85,695	$1,204,632
84	$43,704	$23,100	$39,792	$106,596	$19,187	$87,409	$1,237,118
85	$44,578	$23,100	$41,049	$108,728	$19,571	$89,157	$1,270,296
86	$45,470	$23,100	$42,332	$110,902	$19,962	$90,940	$1,304,181
87	$46,379	$23,100	$43,641	$113,120	$20,362	$92,759	$1,338,791
88	$47,307	$23,100	$44,976	$115,383	$20,769	$94,614	$1,374,143
89	$48,253	$23,100	$46,337	$117,691	$21,184	$96,506	$1,410,254
90	$49,218	$23,100	$47,726	$120,044	$21,608	$98,436	$1,447,143

Withdrawal > 5% of market balance Market depleted — income shortfall