📉 Retirement gap

Retirement Gap Calculator

Once you know the target, test whether your current savings pace can reach it.

Calculator inputs

Current age

Planned retirement age

Current investable retirement assets

Current monthly contribution

Assumed pre-retirement annual return (%)

Desired monthly retirement spending (today’s purchasing power)

Expected stable monthly retirement income (today’s purchasing power)

Planning withdrawal rate (%)

Annual inflation (%)

Projected retirement asset gap

—

Asset target at retirement—

Projected assets at current pace—

Monthly contribution needed—

Years to retirement—

This is a scenario model, not a promise that a portfolio can sustain a given withdrawal rate or return. Taxes, inflation, longevity, healthcare, market paths and pension rules can materially change outcomes.

Related official references

Compare the target with your current trajectory

The calculator estimates a retirement target from spending, stable income, withdrawal rate and inflation, then projects current assets and monthly contributions to retirement using your return assumption.

The required monthly contribution is not guaranteed

Lower returns, higher inflation or higher retirement spending would raise the amount needed. Re-run the model with a lower return assumption as a stress case.