RETIREMENT INCOME READINESS

Will your retirement income run dry?

Estimate how long your retirement savings may last at your desired monthly withdrawal.

Explore without contact details. To email or download your results, complete the contact form.

Sample numbers shown. Adjust them to explore your own retirement outlook.

Move the sliders. See your outlook change.

Start with four estimates. You can type exact amounts or explore with the sliders.

Your current ageAt what age would you like to retire?Already retired? Use your current age.Current retirement savings ($)Enter your total, or select accounts below to add individual balances. Exclude money already committed to an income annuity.How much would you like to withdraw each month? ($)Withdrawals from your TSP, 401(k), IRA, or other savings. Enter the full amount taken from the accounts, before any taxes.

What retirement account or accounts do you have?

Select all that apply. Each choice opens its fields. Account balances add up to your current savings total; income payments are counted separately.

Other Monthly Income

Social Security

Pension or FERS

FIA income (existing or quoted)

Other monthly income

YOUR READINESS SNAPSHOT

Your retirement outlook

10 years until retirement • Retire at age 65 • 30-year retirement period • Example scenario

How long might your savings last?

Through age 95

Projected savings cover your chosen withdrawals through the planning age. The model does not project beyond it.

Projected savings at retirement: $671,958
Desired monthly withdrawal: $1,400

Assumptions: 3% annual savings growth after fees • 2.5% yearly withdrawal increase • Plan through age 95. Illustrative estimates, not guarantees. Taxes are not calculated.

Illustrative savings after withdrawals. A smooth line does not represent actual market performance.

$492,552 projected savings remaining at age 95.

YOUR NEXT STEP

Turn your estimates into a conversation.

Review your income sources, withdrawal needs, and whether a Fixed Indexed Annuity (FIA) may fit your goals with S. Alex Watts.

Schedule My Retirement Readiness Review →