How much income can my portfolio generate?

If you already have a portfolio, you can estimate a reasonable income range using 3%, 4%, and 5% withdrawal scenarios.

Quick method

Annual income ≈ portfolio × withdrawal rate. Try 3%, 4%, and 5% to see a range.

A single number can be misleading. A conservative plan should still work if returns are lower than expected.

Should I use 3% or 4%?

Use both. 3% is conservative. 4% is a common guideline. Compare the range.

Does this include pensions/super?

Not automatically. If you expect guaranteed income later, subtract it from what your portfolio must provide.

Is this a guarantee?

No — it’s a scenario model to help you plan. Real returns vary.

What if my target looks too high?

Lower spending, delay retirement, increase contributions, or plan a partial retirement approach.

What’s the best next step?

Choose a conservative plan you can stick with, then increase contributions gradually.