Please ensure Javascript is enabled for purposes of website accessibility Retirement Income Calculator Tool - Janus Henderson Investors
For Individual Investors in the US
PERSONALIZED RETIREMENT INCOME CALCULATOR

PERSONALIZED RETIREMENT INCOME CALCULATOR

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Personal Information
You
Partner / Spouse
Cost of living will be factored into projections
Employment & Income
You
Partner / Spouse
$
Gross annual income from all employment
$
Gross annual income from all employment
$
Pensions, rental income, side income, etc.

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Social Security
Eligible for Social Security Benefits
Delaying Social Security increases your benefit by ~8%/year after full retirement age
$
Leave blank and we'll estimate from your salary and claiming age. For a precise projection, find your estimated benefit at ssa.gov/myaccount (opens in a new tab) and enter it above.
Retirement Savings
You + Partner / Spouse
Retirement Savings by Account
$
$
$
$
Total Retirement Savings: $0
Monthly Contributions by Account
$
$
$
$
Total Monthly Contribution: $0
Optional — expected yearly salary increase, 0–20% (e.g. 3 for 3%)
Optional — expected yearly salary increase, 0–20% (e.g. 3 for 3%)
Planning through a longer horizon is more conservative

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Investment Strategy
Pre-Retirement (Accumulation Phase)
Post-Retirement (Distribution Phase)

Retirement Success Probability
Based on 1,000 income simulations
-- Success Rate
≥ 80% On Track
60–79% Fair
< 60% Needs Attention

Portfolio Balance Projection

Median projection with 10th-90th percentile confidence band across all simulations

Strategy Comparison

How different investment approaches affect your retirement outlook

Strategy Trajectory Comparison

Median portfolio balance over time for each strategy

Savings Survival Probability

Probability your savings last to each milestone age

Social Security Claiming Analysis

Compare monthly benefits at different claiming ages
Claiming Age Monthly Benefit Annual Benefit Breakeven Age vs 62

Tax & Cost of Living Summary

How state tax, state cost of living, and the Social Security COLA affect your projection

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