Retirement Income Reality Check

What will your savings actually pay you?

A number that sounds like plenty can produce a monthly income that stops you cold. Put in what you have saved, and see what it pays you under the three withdrawal rates the experts actually use. Then the one question almost nobody asks.

Prefer to see it broken into an income bridge and income floor? or use the income floor calculator.

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Sources

  1. Wade Pfau and Wade Dokken, Sustainable Withdrawal Rates for Retirees in 2026, WealthVest. The whitepaper behind the more conservative 2.96 percent starting withdrawal rate used on this page.
  2. William Bengen, “The 4% Rule,” his own essay at bengenfs.com. Bengen describes his original October 1994 Journal of Financial Planning article “Determining Withdrawal Rates Using Historical Data,” which produced the 4% rule for a 30-year retirement, and then writes that since 1994 his research has grown in breadth and sophistication and the 4% rule has morphed into the 4.7% rule.
  3. Guyton and Klinger, “Decision Rules and Maximum Initial Withdrawal Rates,” Journal of Financial Planning, March 2006. The guardrails research itself, finding that initial withdrawal rates of 5.2 to 5.6 percent are sustainable at the 99 percent confidence standard for portfolios holding at least 65 percent equities.
  4. Illustrative guaranteed-income figures are current carrier estimates, are hypothetical, and depend on your age, your contract, and the carrier at the time of purchase.

Every figure on this page was read against the source listed above it on August 30, 2026.

KJ Financial is a compliance-first firm. All educational content on this page reflects current law and research as of 2026 and is subject to change. Kurt H. Jackson is Life and Health Insurance Licensed in MO, NE, KS, IA, and FL, and is not a securities broker, registered investment advisor, or CPA. Nothing on this page constitutes personalized tax, legal, or investment advice. Any figures shown are illustrative estimates only and are not a guarantee of future results. Guaranteed income strategies involve real costs and require careful planning based on your individual circumstances.

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