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Two Spouses Retiring Different Years

Project combined household retirement cash flow when each spouse retires in a different year.

Spouse A

Current age

Retirement age

Current balance ($)

Monthly contribution ($)

Spouse B

Current age

Retirement age

Current balance ($)

Monthly contribution ($)

Shared

Annual return (%)

Safe withdrawal (%)

Results

Combined nest egg (latest retirement)

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Spouse A balance at retirement

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Spouse B balance at retirement

—

Combined annual retirement income

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Gap between retirements (years)

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Single-earner years income

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During the gap years, the earlier-retired spouse may draw while the other still contributes. This simple view uses the safe withdrawal rate against each spouse's nest egg at their own retirement.