You’ve spent your career saving for retirement. When you retire, you want it to feel like a smooth transition, financially.

Use these three steps to help think through your needs and create a plan to go from saving to spending in retirement.

1. Identify your expenses. What will you likely need to spend each month in retirement?

First, cover your basic needs—food, housing, medical expenses, insurance, and transportation. Then think about “fun” money—what you’ll likely spend on things like travel or hobbies. If you can’t picture what those expenses will be, track what you spend today to get a feel for where your money goes.

Also think about how long your retirement might last. Hoping to retire early? You’ll need income to cover those additional years. Do people in your family tend to live longer? Plan accordingly to help so you don’t outlive your retirement savings.

2. Identify your income. How much money will you likely have coming in, and from where?

Guaranteed (more anticipated) income sources

Social Security, an annuity (retail or within a retirement plan), or a company pension plan.

Variable income sources

401(k) or 403(b) account, IRA, other investment accounts or funds, rental income, or income from a part-time job.

3. Match up your money coming in to your estimated expenses in retirement.

One approach: Use anticipated income to cover your basic needs. If it doesn’t cover all those essential expenses, dip into your variable income sources to fill in the gap, plus cover the fun stuff—travel, hobbies, and other bucket list items.

Use this guide to help map out your retirement budget.