How Much Income Does Your Portfolio Generate?
The retirement income calculator is the reverse of the FIRE calculator. Instead of asking "how much do I need to retire?", it asks "given what I have, how much can I spend?" The answer depends on your withdrawal rate, expected returns, and how long you need the money to last.
The most widely used framework is the 4% rule: withdraw 4% of your portfolio in year one, then adjust for inflation each subsequent year. On a $1M portfolio, that's $40,000/year. Historical research suggests this rate has a very high probability of sustaining a 30-year retirement across nearly all historical market scenarios.
Portfolio Size vs Annual Income
| Portfolio Size | 3% ($) | 3.5% ($) | 4% ($) | 5% ($) |
|---|---|---|---|---|
| $500,000 | $15,000 | $17,500 | $20,000 | $25,000 |
| $750,000 | $22,500 | $26,250 | $30,000 | $37,500 |
| $1,000,000 | $30,000 | $35,000 | $40,000 | $50,000 |
| $1,500,000 | $45,000 | $52,500 | $60,000 | $75,000 |
| $2,000,000 | $60,000 | $70,000 | $80,000 | $100,000 |
| $2,500,000 | $75,000 | $87,500 | $100,000 | $125,000 |
Frequently Asked Questions
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