Independent estimate · Not SSA
Retirement income
Retirement Income Calculator
Combine Social Security, pension, IRA/401(k) withdrawals, and other retirement income into one monthly and annual planning total.
Official Data Verification: Published SSA rule planning model
Audited against Federal Reserve Holiday Calendar
Primary Authority: Social Security Administration (SSA)
Regulatory Basis: POMS GN 02401.000 & 20 CFR § 404.1807
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Monthly income sources
Total monthly retirement income
$3,500
$42,000 / year
Social Security share
62.9%
Pension share
22.9%
Frequently asked questions
Enter monthly Social Security, pension, IRA/401(k) withdrawals, and other retirement income. The calculator totals monthly and annual amounts and shows Social Security and pension shares.
No. It totals cash-flow style income. For taxable Social Security estimates, use the Social Security Tax Calculator and Tax Torpedo Calculator.
Use the amounts you want to plan with consistently—typically gross monthly deposits before or after optional withholding, as long as you stay consistent across sources.
Higher combined retirement income can raise Medicare premiums via IRMAA. After you estimate income here, check the Medicare IRMAA Calculator.
Related tools
Official Primary Data Sources
Verified against federal statutes, agency publication manuals, and Federal Reserve rules.
Schedule of Social Security Benefit Payments (SSA Pub 05-10031)
Social Security Administration
Official annual disbursement schedule detailing 2nd, 3rd, and 4th Wednesday delivery dates.
Title 20 Code of Federal Regulations § 404.1807
U.S. Government Publishing Office
Federal statutory regulation governing staggered Wednesday payments based on beneficiary birth dates.
Federal Reserve Board Financial Services Operating Holidays
Federal Reserve System
Standard banking holidays (Title 5 U.S.C. 6103) governing prior-business-day deposit shifts.
Bureau of Labor Statistics CPI-W Inflation Data
U.S. Department of Labor
Consumer Price Index for Urban Wage Earners used for statutory COLA calculations under 42 U.S.C. § 415.
Independent calculation engine reviewed monthly by policy researchers.
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