Project retirement income from real estate portfolio
For real estate investors planning retirement: calculate cumulative cash flow, when passive income replaces living expenses, and required portfolio size.
Retirement Wealth Calculator
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Create Free AccountWhat it does
The Retirement Wealth Calculator projects retirement income from real estate holdings by modeling accumulated rental income, property sales, and equity access through refinancing to determine portfolio size needed to replace living expenses and fund financial independence.
Real estate provides both passive income streams and lump-sum equity access in retirement. This calculator shows whether your portfolio generates sufficient passive income to support expenses or whether you must sell properties to fund retirement.
Who it's for
- Retirement-focused investors planning real estate portfolios to fund lifestyle expenses
- Financial advisors calculating real estate's role in comprehensive retirement planning
- Pre-retirees assessing whether rental income will support desired retirement lifestyle
- Estate planners understanding passive income generation for heirs from family properties
How it works
Enter desired monthly retirement income
Your target monthly passive income in retirement.
Model property cash flow
Average monthly cash flow per property (stabilized, debt-free or low-debt).
Calculate required portfolio
How many properties needed to hit retirement income target?
Why it matters
Model passive income growth to financial independence
Determine how many properties needed to replace income
Calculate required portfolio size for desired retirement lifestyle
Identify timeline to retirement via real estate
Unlock all 67 calculators + AI + reports
Full access to Retirement Wealth Calculator, 66 other calculators, live FRED rates, AI deal verdicts, conservative/base/optimistic scenario projections, printable reports, and vault storage.
Investor Starter
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- 1 calculator per day (Quick Reference)
- 50 glossary definitions per day
- 5 template previews
- Market Insights (read-only)
- Limited investor games (1 game)
- +3 more features
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7-day free trial included
- 67 Professional Calculators — Unlimited
- 1/2/5/10-Year Scenario Projections
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Pro Investor
7-day free trial included
- Everything in Core Investor
- Full Investor CRM — Included
- AI Deal Analyzer & Listing Analyzer
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- AI Rehab Estimator & Rent Analyzer
- +7 more features
What every calculator includes
67 Calculators
Every investment strategy — rental, flip, BRRRR, mortgage, commercial, wealth building.
Scenario Projections
Conservative, base, and optimistic 1/2/5/10-year return modeling.
AI Deal Verdict
Claude-powered analysis — strengths, risks, and actionable recommendations.
Investor Vault
Save unlimited reports. Revisit, compare, and track every deal you've analyzed.
Print-Ready Reports
Professional PDF reports to share with agents, lenders, and partners.
Address Auto-Fill
Enter a property address to pre-fill value, rent, and tax data automatically.
Live FRED Rates
Mortgage rate fields pre-populate with Federal Reserve interest rate data.
Investment-Grade Math
Every formula audited against professional underwriting standards.
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Frequently asked questions
How much monthly cash flow per property?
Average: $500–$2,000 per month depending on property, market, and financing. Free-and-clear rentals: highest cash flow.
Should I include equity paydown in retirement income?
No — principal paydown is wealth, not spendable cash. Only count actual monthly cash available to spend.
How many properties to retire?
Target: $5K–$10K monthly passive income typical. At $1K/property, need 5–10 properties. Model your own assumptions.
What if I want to retire in 10 years?
Need to acquire properties quickly and have high cash flow immediately. Refinance and recycle capital (BRRRR) to scale fast.
Is this calculator free to use?
Yes — create a free Investor Starter account to run 1 calculator per day. No credit card required. Upgrade to Core ($49/mo) for unlimited access to all 67 calculators.
How accurate are the results?
Results are only as accurate as your inputs. The formulas use industry-standard real estate investment math. Always verify with a licensed professional before committing capital.
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