Your Retirement Income Floor
Retirement Income Check

Your Retirement Income Floor

Most retirees have a nest egg. What they have never had is a guarantee. In about a minute, see how much of the life you want is guaranteed for the rest of your life no matter what the market does, and how much is still riding on the market and a little bit of hope.

Update: we’ve since built a newer, more detailed version of this tool. try the updated calculator.

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Sources

  1. J.P. Morgan Asset Management, Guide to Retirement 2026, page 34, the chart titled More guaranteed income = less fear of spending. Among households with $1 million to $3 million in total retirement wealth, median observed annual spending was $49,650 where guaranteed income made up 20 to 40 percent of that wealth, $64,420 at 40 to 60 percent, and $71,710 at 60 to 80 percent, which J.P. Morgan labels 30% and 44% more. The figures come from Chase credit card, debit card, electronic payment, ATM and check transactions in 2023 and 2024, with information that could identify individual customers removed before the analysis.
  2. BlackRock, How to optimize retirement income, published August 11, 2025, reporting on its work with the Bipartisan Policy Center. Adding guaranteed lifetime income combined with a more aggressive asset allocation can generate 29% more annual spending ability from retirement savings, excluding Social Security, and reduce downside risk by 33%. This is BlackRock’s own lifecycle model rather than observed household spending.
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