This page displays the Retirement Income Calculator. Models all income streams with a complete 20-year projection and three-age comparison.
Free Tool
Retirement Income Calculator
Model every income stream — Social Security, pension, annuities, rental income, investments, and more. Compare three retirement ages side by side. Built on the 4% rule with a full 20-year projection.
401(k) / 403(b) growth projector
Your information
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Your contributions
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Employer match & growth
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New for 2026: if you earned over $150,000 in FICA wages last year, catch-up contributions must go in as Roth (after-tax). A good reason to have a Roth strategy conversation before year-end.
Balance at retirement
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total projected value
Your contributions
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your money invested
Employer contributions
$0
free employer money
Years until retirement—
Starting balance$0
Your contribution (year 1)$0
Employer match (year 1)$0
Total invested incl. start$0
Investment growth$0
| Age | Your contribution | Employer match | Total added | Balance (end of year) |
|---|
Retirement income & the gap analysis
Basic information
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Monthly guaranteed income sources
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Savings & portfolio at retirement
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Guaranteed monthly
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income you can never outlive
4% rule withdrawal
$0
per year — no guarantee
Annual income gap
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to cover from your portfolio
Social Security$0
Pension / FERS$0
Annuity$0
Rental / part-time / other$0
Total guaranteed annual$0
Total portfolio value$0
Income needed from portfolio$0
Portfolio lasts (estimated)—
Retirement years to fund—
Full combined plan — quick entry
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401(k) at retirement
$0
from employer plan
Total portfolio
$0
all savings combined
Guaranteed monthly
$0
SS + pension + annuity
Years of growth before retirement—
Projected 401(k) balance$0
Other savings at retirement$0
Total portfolio at retirement$0
Guaranteed annual income$0
4% rule from portfolio$0
Total estimated annual income$0
Annual expenses at retirement$0
Annual surplus / deficit$0
Portfolio lasts (estimated)—
For educational purposes only and does not constitute financial, tax, or investment advice. Projections assume steady annual returns; actual investment returns vary and are not guaranteed, and the 4% rule is a planning guideline, not a guarantee. 2026 IRS contribution limits are applied automatically. Guaranteed income refers to Social Security, pension, and insurance annuity payments. American Retirement Pros is an independent licensed insurance firm and is not affiliated with, endorsed by, or connected to any U.S. government agency. Consult a qualified retirement planning professional before making decisions.
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