Retirement Gap Calculator

Compare what you'll have to what you'll actually need. Get a clear answer — and a clear next step.

Compare what you'll have vs. what you'll need to fund your retirement income.

Current Age

Retirement Age

Current Retirement Savings ($)

Monthly Contribution ($)

Pre-Retirement Return (%)

Desired Annual Income in Retirement ($)

Years in Retirement

In-Retirement Return (%)

On track — surplus

Projected Surplus

$689,340

Projected Nest Egg$2,072,703

Nest Egg Needed$1,383,363

Surplus$689,340

You're projected to have $689,340 more than you need. Your priority shifts from "save more" to "protect what you've built" — taxes, sequence-of-returns risk, and estate planning matter more now.

What to do next

Build a tax-aware withdrawal plan to keep more of your nest egg.
Pressure-test against a bad market in your first retirement decade.
Decide what surplus wealth should do — gifting, legacy, or values-based investing.

Talk to a fiduciary