Retirement Gap Finder Calculator

Are you on track for retirement? Find your retirement income gap.

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Retirement Gap

Enter your current savings, age, and retirement goals to see if you're on track.

Retirement income gap
$0/yr
Status: —
Projected nest egg
$0
Nest egg needed
$0
Safe withdrawal income
$0/yr
Shortfall / surplus
$0
Social Security est.
$0/yr
Total retirement income
$0/yr

Worked example

With the default inputs shown below, this calculator returns the following results:

InputValue
Current age35
Desired retirement age65
Current retirement savings ($)$100,000
Annual contribution ($)$15,000
Desired annual retirement income ($)$60,000
Expected return (%)7%
ResultValue
Retirement income gap$27,125/yr
Projected nest egg$2,178,137
Nest egg needed$1,500,000
Safe withdrawal income$87,125/yr
Shortfall / surplus+$27,125
Social Security est.$18,000/yr

Values shown are produced by this page in your browser; change any input to update them.

How to use the Retirement Gap

  1. Current age — default 35
  2. Desired retirement age — default 65
  3. Current retirement savings ($) — default $100,000
  4. Annual contribution ($) — default $15,000
  5. Desired annual retirement income ($) — default $60,000
  6. Expected return (%) — default 7%
  7. Press Calculate to update the results instantly.

Frequently asked questions

Sources & references