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Second-Half Income Calculator
The retirement industry frames this as a spend-down problem. If you intend to keep earning in the second half, the maths changes considerably. This shows both scenarios.
Your numbers
Your result
29 years
- Annual gap to cover from assets
- $42,000
- Assets last, if you stop earning now
- 12 years
- Assets last, earning $40,000 for 10 years
- 29 years
- Years added by continuing to earn
- 17 years
- Assumed real return
- 4% after inflation
Notice how much a modest amount of continued earning changes the outcome. Earning in your sixties is usually a far more powerful lever than squeezing another point of return out of a portfolio — and it is the one you control.
A simplified projection using a fixed real return. It ignores tax treatment, sequence-of-returns risk, and Social Security timing. Not financial advice.
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These frameworks are drawn from Lisa's keynotes and workshops for conferences, corporate teams, and associations.