You've Earned This — Now Make Your Money Last
Retirement is about freedom, not financial stress. This budget helps you enjoy every day while ensuring your savings go the distance.
Recommended Budget Split for Retirees
Needs
Wants
Savings
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Key Expenses to Track
Common Financial Challenges for Retirees
Fixed income with rising costs (especially healthcare)
Balancing withdrawal rates to avoid outliving savings
Medicare, supplemental insurance, and prescription costs
Inflation eroding purchasing power over 20–30 year retirement
Budget Tips for Retirees
Follow the 4% withdrawal rule
Withdraw no more than 4% of your retirement portfolio annually. On a $500,000 portfolio, that's $20,000/year ($1,667/month) in addition to Social Security.
Budget for healthcare increases
Healthcare costs rise 5–7% annually in retirement. Budget 15–20% of income for medical expenses, including Medicare premiums, supplements, and prescriptions.
Delay Social Security if possible
Each year you delay past 62 (up to 70) increases your benefit by 6–8%. Waiting from 62 to 70 can increase monthly payments by 77%.
Track required minimum distributions
After 73, you must withdraw from traditional IRAs/401ks. Plan these withdrawals to minimize tax impact. EyeCash helps track income sources.
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