Retirement Budget Planner

Plan retirement spending with Social Security, pension, and portfolio withdrawals using the 4% rule.

Pre-retirement income/mo ($)

Social Security/month ($)

Pension/month ($)

Portfolio balance ($)

Healthcare premium/mo ($)

Tab to move between fields

Total monthly income ($)

$3,667

Monthly portfolio withdrawal ($)$1,667

Income replacement ratio (%)61%

Monthly surplus/deficit ($)-$833

Portfolio longevity (years)16.7

Healthcare budget/mo ($)$675

Discretionary1,350

How to Use This Calculator

Enter all expected monthly retirement income: Social Security, pension, and portfolio withdrawals.
Input fixed monthly expenses in retirement: housing, insurance, healthcare, and utilities.
Set variable expense estimates: travel, dining, hobbies, gifts, and grandchildren.
Review the monthly income vs. expense balance and sustainable withdrawal rate.
Stress-test the budget by entering a 20% healthcare cost increase to check resilience.

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