Retirement Gap Calculator
See the gap between your projected savings and your target retirement income.
Projected at Retirement
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Needed Portfolio
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Gap
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Projected Balance Over Time
Frequently Asked Questions
What withdrawal rate should I use?
The "4% rule" is a common starting point, meaning your portfolio needs ≈ 25× your annual spending.
How do I close a gap?
Save more, retire later, accept lower spending, or take more (appropriate) risk while young.
Does this include Social Security?
No — add any pension/state benefits to your projected income before comparing.
Worked Examples
35→65, $50k + $800/mo, 6%
Projects ≈ $1.13M at 65; needs $1.5M for $60k income → ≈ $370k gap.
Boost to $1,200/mo
Closes most of the gap by retirement.
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⚠️ Disclaimer
Educational tool only. Outputs are illustrative estimates, not financial advice. Investing involves risk including loss of capital.