🏖️ Monthly retirement income

ETF / Fund Monthly Retirement-Income Builder

Estimate inflation-adjusted retirement cash flow using spending, pension income, portfolio assets, expected return, inflation and distribution yield.

Enter a retirement scenario

Monthly spending in today's dollars

Stable monthly pension income

ETF / fund portfolio

Expected nominal return (%)

Long-run inflation assumption (%)

Natural distribution / income yield (%)

Retirement years

Annual pension adjustment (%)

First-year portfolio income need

—

First-year withdrawal rate—

Estimated real return—

Natural income / month—

Natural-income shortfall—

Inflation-adjusted spending

10 years—

20 years—

30 years—

Simulated ending assets—

This simplified model assumes the same return every year. Real sequence-of-returns risk can produce much worse or better outcomes.

Split retirement spending into pension income, natural distributions, and planned withdrawals

The tool does not create a guaranteed pension. It subtracts stable retirement income from spending and estimates what the portfolio must provide.

How to read the result

When natural distributions are insufficient, planned unit sales are another cash-flow mechanism; safety depends on total return, withdrawal rate, inflation, and the remaining asset path.

Practical scenario: Re-run the same portfolio with lower returns, higher inflation, and a longer retirement horizon to test whether the plan only works under optimistic assumptions.

What the estimate does not include

The model uses simplified constant-return assumptions; real sequence-of-returns risk can materially change outcomes.

Treat the result as a range for further verification, then check the original contract, financial institution, or responsible authority before making a material financial decision.