Part of our Retirement Income Navigator™ →

Your Catch-Up Age

Every retirement paycheck decision trades less income sooner for more income later. One age settles it: the age where the bigger paycheck catches up.

Covering
65




Move across the chart to see each paycheck at any age.

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Hypothetical illustration for educational purposes only. It does not illustrate or quote any specific insurance contract or income rider. Bonuses, roll-ups, payout rates, rider fees and index crediting differ by carrier and product and change over time; actual values come only from a carrier illustration. Income bonuses and roll-ups apply to the income base, a value used to calculate withdrawals that is not available as cash. "Guaranteed" values assume no index credits. Hypothetical index credits are assumptions, not projections, and are not guaranteed; real credits vary year to year. Lifetime income guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Contract value is shown before any surrender charges. After the contract value is used up, the growing paycheck is assumed to rise 1% a year; whether and how payments rise after that point varies by product. Withdrawals before age 59½ may be subject to a 10% additional federal tax; consult a tax professional. Odds of reaching an age come from the Social Security Administration's 2023 period life table; couple odds assume spouses of the same age and show the chance at least one is living. Individual lifespans vary. Chamberlin Financial Inc.