Retirement Income Calculator

This retirement income calculator helps you estimate how much monthly income your savings, pension, and benefits could provide in retirement. By entering a few basic details—such as your age, retirement savings, expected pension income, and estimated Social Security—you’ll get a clearer picture of how your retirement income may look and how long it could last. This tool is especially helpful for educators and public-sector employees who need to coordinate a pension with 403(b), 457(b), or IRA savings.

This calculator provides an estimate only and does not replace personalized retirement planning. Results are based on general assumptions and may not reflect your actual benefits, taxes, or investment performance.

Retirement Lifestyle Income Calculator

Interactive estimate of the monthly income you may want at retirement, based on your inputs.

Career stage: Years to retirement: —
Step 1 of 5

Let’s tailor this to you

Answer a few questions so the calculator can adapt the prompts and assumptions to your stage of life.

Tip: We’ll adjust recommended prompts depending on whether you’re early-career, mid-career, or near retirement.
Keep it simple: you can do a quick estimate in ~60 seconds or a more detailed version in ~3 minutes.

How do you want to estimate your retirement lifestyle?

Choose the style you prefer. You can switch later.

You can change this. Results are estimates, not predictions.

Your retirement lifestyle inputs

Enter a few numbers. You can refine later.

Optional. If unsure, leave blank (0).
Use negative for lower cost, positive for higher.
Don’t overthink it—this is meant to get you a usable estimate quickly.

Optional: income sources at retirement

If you add these, we’ll show your estimated income gap (monthly need minus expected income).

This is an educational simplification—not a guarantee of future outcomes.

Your results

Here’s an estimate of the monthly income you may want at retirement based on your inputs.

Monthly income needed at retirement
Equivalent monthly need in today’s dollars
Estimated monthly income from sources (optional)
Estimated monthly gap (need minus income)
Assumptions: —

    Optional “target savings” estimate

    If you selected a withdrawal-rate assumption, we estimate the portfolio size that could support the income gap. This is a simplified educational estimate and not advice.

    Estimated target savings for the gap

    Contact

    19220 Space Center BLVD, Houston Texas 77058

    Texas +1 346-584-2454

    North Carolina +1 984-464-8511

    Virginia +1 571-946-1553

    Providing education-focused guidance to help individuals and families make informed insurance and retirement planning decisions.

    Our Social Media Sites will be live in Feb 2026

    Business Hours

    Mon - Sat : 9AM - 4PM

    Sunday: 9AM - 4PM

    © BTO Financial Group. 2026. All Rights Reserved.