Portfolio × withdrawal rate gives first-year gross income. Add only benefits you reasonably expect.
Each page has a live simulator prefilled with that amount. Dated context uses BLS 2024 mean annual expenditures of $61,432 per consumer unit with a reference person age 65+, and SSA estimated January 2026 benefits of $2,071/month per retired worker or $3,208/month per aged couple with both receiving benefits. These are different populations and price years, not a personalized retirement budget.
PORTFOLIO 01
$300,000
$1,000/month
$12,000/year at 4%
At 3.5%, the first-year draw is $10,500. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 02
$400,000
$1,333/month
$16,000/year at 4%
At 3.5%, the first-year draw is $14,000. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 03
$500,000
$1,667/month
$20,000/year at 4%
At 3.5%, the first-year draw is $17,500. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 04
$600,000
$2,000/month
$24,000/year at 4%
At 3.5%, the first-year draw is $21,000. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 05
$700,000
$2,333/month
$28,000/year at 4%
At 3.5%, the first-year draw is $24,500. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 06
$750,000
$2,500/month
$30,000/year at 4%
At 3.5%, the first-year draw is $26,250. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 07
$800,000
$2,667/month
$32,000/year at 4%
At 3.5%, the first-year draw is $28,000. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 08
$900,000
$3,000/month
$36,000/year at 4%
At 3.5%, the first-year draw is $31,500. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 09
$1,000,000
$3,333/month
$40,000/year at 4%
At 3.5%, the first-year draw is $35,000. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 10
$1,500,000
$5,000/month
$60,000/year at 4%
At 3.5%, the first-year draw is $52,500. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 11
$2,000,000
$6,667/month
$80,000/year at 4%
At 3.5%, the first-year draw is $70,000. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 12
$2,500,000
$8,333/month
$100,000/year at 4%
At 3.5%, the first-year draw is $87,500. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 13
$3,000,000
$10,000/month
$120,000/year at 4%
At 3.5%, the first-year draw is $105,000. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 14
$4,000,000
$13,333/month
$160,000/year at 4%
At 3.5%, the first-year draw is $140,000. Compare both rates with your own spending, taxes and benefit timing.
PORTFOLIO 15
$5,000,000
$16,667/month
$200,000/year at 4%
At 3.5%, the first-year draw is $175,000. Compare both rates with your own spending, taxes and benefit timing.
How to read these numbers
All income figures start from the 4% rule: withdraw 4% of the portfolio in year one, then adjust that dollar amount for inflation annually. It is a research-backed planning heuristic — not a guarantee — derived from historical U.S. market data over 30-year retirements. Longer retirements argue for a lower rate; flexibility to cut spending in bad years argues for a slightly higher one.
If you want to work from your own numbers instead of a round portfolio size, start with the 4% Rule Calculator, check whether dividends alone could cover your bills with the Live Off Dividends Calculator, or see what your current savings grow into with the Coast FIRE Calculator.
How to compare portfolio sizes
Convert the balance into income, flexibility, and time
A portfolio amount does not answer “Can I retire?” by itself. Convert it into first-year income at 3%, 3.5%, 4%, and 5%; compare after-tax income with tracked spending; then test lower returns and higher inflation.
Separate housing, healthcare, taxes, and essentials from flexible spending.
Long retirements require more years and usually a wider margin.
Current context: Pages use the SSA January 2026 estimated average benefit and the BLS Consumer Expenditure Survey. National averages are not personal budgets.
More retirement tools
Prefer to start from the income you want? Work backwards with the Retire on $X/Month calculator. Curious how a portfolio compares to other households? See where it lands with the Net Worth Percentile tool, built on Federal Reserve data.