How to Use the Retirement Income Gap Calculator
Prepare monthly figures, use the optional savings estimate, read the result, and avoid common input mistakes.
Read this guideLEARN AT YOUR OWN PACE
Retirement Planning Guides
Clear explanations for preparing a monthly estimate, reading your results, and understanding what this simple calculator can and cannot tell you.
What Your Retirement Income Gap Means
Understand the monthly and annual comparisons, household scope, a zero gap, and estimated surplus.
Read this guideHow to Estimate Your Monthly Retirement Expenses
Organize essential, flexible, health-care, and irregular budget items before choosing a monthly income goal.
Read this guideHow Inflation Can Affect Your Retirement Budget
Learn the difference between purchasing power and future-dollar amounts and how the calculator treats inflation.
Read this guideWhat to Do If Your Estimate Shows a Shortfall
Review inputs and explore broad spending, saving, work, and timing scenarios without product pitches.
Read this guideMethodology: What This Calculator Includes and Leaves Out
Read the exact formulas, input limits, defaults, rounding, assumptions, and exclusions.
Read this guideWorked Retirement Income Examples
Compare a hypothetical shortfall, an approximately balanced household estimate, and a surplus.
Read this guideUsing these guides
These pages are educational information, not personal financial, tax, legal, insurance, or retirement-planning advice. Review your own statements and current official sources when preparing figures. You can use the calculator without reading the guides or contacting anyone.