VestLab Sustainable Income Explorer

💡 Explore how your portfolio and Social Security work together to produce constant, sustainable retirement income. Compare claiming ages 62-70 to find the right balance between maximizing income and preserving your portfolio.*

Inputs

Calculation Mode

Start Age: 59.5

Target Age: 95

Initial Portfolio ($)

Real Return: 3.0%

PIA (monthly at FRA)

FRA: 67

Include Taxes

Summary

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Monthly Income vs Claim Age (Gross)

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Total income usually moves moderately across claiming ages — although low-return assumptions or smaller portfolios can steepen the slope — while the mix of portfolio withdrawals (orange) and SS (blue) clearly shifts.

Portfolio Balance at Claim Age

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Delaying SS usually means drawing down the portfolio more heavily. By age 70 you may see a few hundred thousand dollars less remaining compared with claiming at 62.