Retirement Income Gap Calculator
Identify the gap between your expected retirement income and your desired spending level.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Gap = Desired − (SS + Pension + Other); Portfolio = Annual Gap / 4%
The income gap must be filled by portfolio withdrawals. This shows how much you need invested to cover the shortfall.
Frequently Asked Questions
What if my Social Security doesn't cover my expenses?
This is common. Most retirees rely on a combination of SS, pensions, and portfolio withdrawals to fund retirement.