Financial tools
Retirement Income Gap Calculator
Compare projected personal retirement assets with an illustrative amount needed to fund the annual retirement income gap entered.
Plain-language guide
Could my projected savings cover my retirement income gap?
How this estimate works
Values are expressed in today's dollars. Monthly accumulation uses an effective monthly rate derived from the annual real return; annual retirement withdrawals are modeled at year-end with no terminal balance.
Important: This is an educational estimate, not individualized financial, investment, tax, legal, insurance, or business-valuation advice.
Common questions
- What is a retirement income gap?
- It is the difference between estimated retirement spending and dependable income such as Social Security, pensions, or other income.
- Why does the calculator use a real return?
- A real return adjusts the entered nominal return for fees and inflation so projected savings and retirement spending can be compared in today's dollars.
- Is the result a guarantee?
- No. It is a deterministic estimate based on the values entered and does not model taxes, return sequences, or every retirement risk.