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Retirement Income

Guaranteed income such as Social Security and pensions follows you wherever you live. What your savings have to cover depends on what the rest of your life costs. This hub covers claiming, withdrawals and making savings last.

Guides in progress · 2 free tools

Assumptions

Claim at 62

94

age savings run out

Claim at 67

$87k

left at 95, today's dollars

Claim at 70

$172k

left at 95, today's dollars

$0k$250k$500k$750k$1M6267707580859095
Claim at 62Claim at 67Claim at 70

Illustrative model, not advice, and it doesn't pick a claiming age. Starts retirement at 62; spending rises with inflation; benefits get a cost-of-living adjustment equal to inflation; taxes ignored. Claiming adjustments for people born 1960 or later use the SSA benefit formula: 70% at 62, 100% at 67, 124% at 70.

Guides in this hub

Guides are being added. This is what the hub covers, and what is published so far:

  • When to claim Social SecurityPlanned
  • Withdrawal ratesPlanned
  • Which accounts to draw from firstPlanned
  • Pensions and annuitiesPlanned
  • Part-time work in retirementPlanned

Connects to: Where to Live

Your income moves with you. Your costs don't.

Lower local costs don't raise your income, but they shrink the gap your savings have to cover each year, and that gap decides how long savings last.

Free tools for this decision

No account, no email required. Each tool names its dataset and date.