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Retirement Income Calculator

Determine sustainable monthly income your retirement savings can generate.

Reviewed by the KakouCalc editorial team · Updated July 2026

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Sustainable Monthly Income
$4,711.57
Annual Income
$56,538.89
Real Rate of Return
2.94%
Years Covered
25
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How to use the Retirement Income Calculator

The Retirement Income Calculator is free and runs entirely in your browser — no sign-up, and nothing you enter leaves your device. It opens pre-filled with a realistic example, so you can see how it works before replacing any figure with your own; the results update as you type. Press Calculate to refresh the result panel, or Reset to return to the example.

The inputs it asks for:

  • Retirement Savings — a dollar amount.
  • Years in Retirement — a number.
  • Expected Annual Return — a percentage (enter 6 for 6%).
  • Inflation Adjustment — a percentage (enter 6 for 6%).

Worked example

Using the example values — Retirement Savings $1,000,000.00, Years in Retirement 25, Expected Annual Return 5%, Inflation Adjustment 2% — the Retirement Income Calculator returns a Sustainable Monthly Income of $4,711.57. It also reports Annual Income ($56,538.89), Real Rate of Return (2.94%), Years Covered (25).

Prefer your own numbers? Change any field above and this recomputes instantly.

Educational information, not financial advice. See our methodology for how these tools are built and checked.