A million-dollar portfolio sounds like plenty until you translate it into a monthly paycheck. This analyzer performs that translation across every income stream you will have: portfolio withdrawals at your chosen Annual Withdrawal Rate, Social Security (Monthly), Pension (Monthly), and Other Income (Monthly). It sums them into Total Monthly Income and Total Annual Income, benchmarks your plan against the Safe 4% Withdrawal (Monthly), and estimates the Years Until Depletion so you can see whether the money outlives you or vice versa.

Hold a $1,000,000 portfolio, withdraw 4%, and collect $2,000 in Social Security with no pension. The portfolio pays about $3,333 monthly; with Social Security your total approaches $5,333 — roughly $64,000 a year. The safe-withdrawal benchmark confirms 4% as the sustainable line, and the depletion estimate stretches past 30 years. Push withdrawals to 6% and the depletion horizon shortens dramatically — the math is unforgiving past 5%.

Withdrawal rate is the master variable of retirement. Every point above 4% must be justified by a shorter horizon, lower spending flexibility, or a genuine willingness to risk the later years.

With the pre-filled defaults — Portfolio Value $1,000,000, Annual Withdrawal Rate 4%, Social Security (Monthly) $2,000, Pension (Monthly) $0, Other Income (Monthly) $0, Inflation Rate 3% — the Retirement Income Analysis returns Monthly Portfolio Income $3,333.33, Total Monthly Income $5,333.33, Total Annual Income $64,000.00, Safe 4% Withdrawal (Monthly) $3,333.33, Est. Years Until Depletion 30.0. Change any input and those results update instantly, so you can see exactly how each number you enter moves the answer.