CALCULATOR · FREE免费 · Free
Retirement Income Gap Calculator
Retirement income gap is desired annual income minus Social Security and other income. Divide by a withdrawal rate to estimate savings needed; the 4 percent rule is a heuristic, and markets, fees and longevity all matter.
--Annual gap · $/yr
--Savings needed · $
--Monthly from savings · $
Estimates only; verify on site before ordering or building.
Example
| Item | Value | Unit |
|---|---|---|
| Desired income | 80000 | $/yr |
| Social Security | 30000 | $/yr |
| Other income | 0 | $/yr |
| Withdrawal rate | 4 | % |
| Annual gap | 50000 | $/yr |
| Savings needed | 1250000 | $ |
| Monthly from savings | 4166.67 | $ |
Where people go wrong
- Treating Social Security as all income.
- Ignoring inflation and fees.
- Treating 4 percent as guaranteed.
FAQ
Does the 4 percent rule still work?
It is a historical heuristic, not a guarantee; stress-test with fees, taxes and longevity.
Should I include taxes?
Yes; this tool is pre-tax, so adjust for account types.