The New Jersey couple, who are both 63 years old, are still working full time but recently started exploring how and where they want to spend their retirement, and began working with a retirement.. Learn how timing your retirement in tandem with your spouse compares to staggering your retirement in different scenarios. Together, your options may look a little different.
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The Bottom Line Understanding the average income of a retired couple requires exploring various sources of income, including Social Security benefits, retirement savings accounts, pensions, investments, and part-time work. The lifestyle, location, and healthcare needs of the couple can significantly affect their average income.. For a married couple approaching retirement, few things carry more significance than knowing how much income they’ll need to maintain financial stability and live comfortably after they stop working. Budgeting for retirement involves estimating your post-retirement income and calculating your essential and discretionary expenses.