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Retirement Gap Calculator

Compare your projected retirement savings against a target derived from your desired retirement income.

This educational estimate shows how your assumptions affect projected retirement resources. It is not a guarantee of future performance or retirement income.
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Gap

$153,025

Projected savings at retirement

$1,096,975

Target savings needed

$1,250,000

How it works: projected savings compound your current balance plus monthly contributions to retirement age. The target is your desired annual income divided by your chosen withdrawal rate — the same 25×-style inverse used by the FIRE Number calculator.

Limitations: a single constant assumed return, like every other projection on this platform — it does not model market volatility, taxes, Social Security, or other income sources.

Sources & further reading