10-year Treasury note
Low Risk5.29%
Last verified September 30, 2026
Interest paid every six months
Uses a benchmark market yield. The actual cash coupon and purchase price of a particular note can differ.
U.S. Treasury rate sourceRetirement income calculator
Build your retirement paycheck.
Calculate your monthly retirement income gap, see what part of your nest egg might provide, and talk through the options with an advisor.
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Step 1 of 4 · Your income
- Your income
- Explore options
- Your report
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What would you like your monthly retirement income to be?
Use estimates for this retirement calculation. You can refine the numbers with an advisor.
$
What retirement income do you already expect?
Monthly amountsEnter each income source as a monthly estimate.
Total existing monthly retirement income$0
Estimated monthly retirement income gap
Explore ways to fill your retirement income gap
Your gap from Step 1 is carried into this retirement income calculation.
Monthly retirement income gap$0
STRC preferred stock
High Risk12.00%
Last verified October 2026
Dividends scheduled semi-monthly (twice a month)
Variable declared rate based on $100 stated amount. The share price affects effective yield; future dividends are not guaranteed.
Strategy rate sourceYour final report shows the illustrative funds needed and payment amounts for each option. Treasury notes mature in ten years; STRC has no maturity date. Displayed rates can change and do not guarantee future income. Risk labels are relative: a Treasury note can lose market value if sold before maturity, and STRC principal and dividends are not guaranteed. These are options for discussion, not a purchase recommendation.
Your retirement paycheck report
Your retirement income goal, expected income, and options for discussion.
Your estimated retirement income gap—Additional income needed to reach your monthly goal.
Monthly goal—
Existing monthly income—
Income you entered
No existing income sources entered.
Illustrative income options
10-year Treasury note
Low Risk—
Funds needed to cover the gap—
Estimated cash payment——
Average monthly equivalent—Annual income spread over 12 months. Actual payments follow the schedule above.
Interest every six months. Actual note coupon, price and yield may differ from this benchmark.
STRC preferred stock
High Risk—
Funds needed to cover the gap—
Estimated cash payment——
Average monthly equivalent—Annual income spread over 12 months. Actual payments follow the schedule above.
Dividends scheduled semi-monthly (twice a month). The declared rate can change and payments are not guaranteed.
Funds needed = annual gap divided by displayed annual rate. The Treasury estimate uses a benchmark yield; the STRC estimate assumes a $100 share price and a continuing declared rate. Actual pricing, taxes, fees and future rates can change results. Risk labels are relative: Treasury market value can fall before maturity; STRC principal and dividends are not guaranteed. These are estimates for discussion, not a purchase recommendation.
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