Retirement Income (Interest Only)
Estimate a monthly amount that could be supported by yield alone — without drawing down principal in this simple model.
Your Assumptions
Educational illustration only. This is not a spending plan, income guarantee, or investment advice. See methodology and limitations below.
Illustrated Results
Annual yield (before tax)
Figures update from the assumptions you enter. Read the full disclosure below before relying on any number.
How this calculator works
This tool multiplies the portfolio balance you enter by the annual yield percentage you enter to estimate pre-tax annual income from yield alone. It then applies the ordinary income tax rate you enter to estimate after-tax annual and monthly amounts. In this model, principal is assumed to remain unchanged.
Important limitations
- Yield is not guaranteed. Interest, dividends, and distributions vary and can decline or stop. A stated yield percentage is only an assumption you supply.
- The model does not reduce principal for spending, fees, or market losses. It also does not add growth beyond the yield figure you enter.
- It does not account for inflation, sequence of returns, changing tax brackets, state taxes, NIIT, RMDs, or account-type rules.
- Results are hypothetical. They are not a projection of current or future performance and are not an indication of future results.
- This is not a recommendation of a withdrawal rate, portfolio design, or tax strategy, and it is not personalized advice.
Spending decisions should be reviewed with your adviser and tax professional. Investing always involves risk and possible loss of capital.