This final report presents the retirement income projections from Modeling Income in the Near Term (MINT4) data system. Key findings include that the 1996 SIPP panel has lower-than-average lifetime earnings compared with the 1990 to 1993 SIPP panels, but the variance is within the bounds of the sampling error. Retirement income will become increasingly unequally distributed as both the top of the distribution rises and bottom falls. Aged poverty rates decline as retirement income grows faster than prices through years of positive real wage growth.