Less needed from savings
Income earned during the bridge years can reduce portfolio withdrawals when sequence risk may matter.
Focused decision guide
Could part-time work help bridge into retirement?
Temporary work income may reduce early portfolio withdrawals, add flexibility to benefit timing, or support a gradual transition from full-time work.
Understand the choice
What changes—and what you give up.
Time and lifestyle
Working longer or part-time changes how much time is available for other retirement priorities.
Tax and benefits
Employment income may affect tax, payroll deductions and income-tested benefits.
Before comparing
The assumptions that matter most.
- Monthly income after realistic work expenses
- The age the income begins and ends
- Whether the income keeps pace with inflation
- Tax, benefit and pension interactions not captured by a simple gross-income comparison
Test the question
Use the guide with a planning tool.
The Retirement Income Planner lets you enter both a start and an end age for part-time or other income.