401(k) Income โ Retirement Income Calculator
Estimate pre-tax and after-tax income from 401(k) withdrawals. Uses withdrawal rate (e.g. 4%), expected return, and tax rate.
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4% rule is a starting point Manage tax brackets RMDs at 73 Rule of 55 for early access
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Why: Knowing your 401(k) income helps plan retirement spending and Social Security timing.
How: Enter balance, withdrawal rate, years in retirement, expected return, and tax rate.
Run the calculator when you are ready.
401(k) Income โ Retirement Income Calculator
Calculate how much income your 401(k) can provide in retirement.
Sample Scenarios โ Click to Load
401(k) Details
After-tax monthly: $1,300. Lasts 50 years.
401(k) Income Analysis
401(k) Details
Income
Longevity
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1. Key Takeaways
- โข 4% rule is a starting point, not guaranteed
- โข Adjust withdrawal based on market conditions
- โข Consider tax bracket management
- โข Have other income sources (SS, pension)
- โข 59ยฝ: penalty-free withdrawals
- โข RMDs at 73 (SECURE 2.0)
2. Did You Know?
59ยฝ
Penalty-free withdrawals start
RMDs
Required at 73 (SECURE 2.0)
Taxation
Withdrawals taxed as ordinary income
Rule of 55
Penalty-free if separated at 55+
4% rule
Traditional starting point
Tax bracket
Manage withdrawals for efficiency
3. How It Works
Enter 401(k) balance, withdrawal rate (e.g. 4%), years in retirement, expected return, and tax rate. The calculator estimates pre-tax and after-tax income and how long the balance lasts.
Inputs
Balance, withdrawal rate, years, return rate, tax rate
Outputs
Monthly pre-tax, after-tax, years lasting, lifetime income
4. Expert Tips
4% rule
Starting point; adjust with market
Tax bracket
Manage for efficiency
Other sources
SS, pension reduce need
RMDs
Plan for 73
5. Comparison Table
| Withdrawal | Typical | Conservative |
|---|---|---|
| 4% | Traditional | Higher risk |
| 3.5% | Moderate | Safer |
| 3% | Conservative | Safest |
6. FAQ
59ยฝ penalty-free; Rule of 55 if separated.
Required minimum distributions at 73.
Traditional starting point; adjust with market.
Withdrawals taxed as ordinary income.
7. Quick Stats
59ยฝ
Penalty-free
73
RMD age
4%
Rule
55
Rule of 55
8. Sources
9. Disclaimer
โ ๏ธ Warning: Estimates only. Consult a financial advisor. Not financial advice.
For educational and informational purposes only. Verify with a qualified professional.
๐ก Money Facts
59ยฝ: penalty-free withdrawal age
โ IRS
73: RMD age under SECURE 2.0
โ IRS
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