Retirement Earnings Impact

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Earnings During Retirement

See how part-time work in the first 5 years of retirement stretches your savings and reduces withdrawals.

Base Plan

Balance at retirement ($)

Annual expenses ($)

Post-retirement return (%)

Years in retirement

Part-time Earnings

Year 1 earnings ($)

Year 2 earnings ($)

Year 3 earnings ($)

Year 4 earnings ($)

Year 5 earnings ($)

Results

End balance with earnings

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End balance without earnings

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Extra savings preserved

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Total part-time earnings

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Years balance lasts (with earnings)

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Part-time earnings may affect Social Security, Medicare premiums, and taxes. This simplified model assumes earnings offset withdrawals 1:1 and does not tax those earnings.