Retirement Income Gap Calculator
Estimate whether your guaranteed retirement income covers your monthly spending, and how much may need to come from savings.
Your Retirement Budget
Monthly Spending
Housing, food, utilities, insurance, taxes, transportation, and health care.
Travel, dining, hobbies, gifts, entertainment, and flexible expenses.
Home repairs, car replacement reserve, large medical bills, family help, or other irregular costs.
Monthly Income
Savings
Used to estimate how much income your portfolio might reasonably support. This is not a guarantee.
Estimated Result
Enter your information and calculate your estimate.
Monthly income gap or surplus:
$0
$0 per year
Total Monthly Spending
$0
Guaranteed Monthly Income
$0
Portfolio Withdrawal Needed
$0
Suggested Portfolio Support
$0
| Essential Monthly Spending | $0 |
| Discretionary Monthly Spending | $0 |
| Monthly Share of Irregular Costs | $0 |
| Total Monthly Spending | $0 |
| Total Monthly Income | $0 |
| Monthly Gap or Surplus | $0 |
This calculator is for educational purposes only. It provides a simplified estimate of monthly retirement income, spending, and portfolio withdrawal needs. It does not model taxes, inflation, market returns, Medicare costs, long-term care, required minimum distributions, Social Security claiming choices, survivor benefits, debt payoff, or changing spending over time. It is not financial advice.
