Retirement calculator

Retirement Income Gap

We compare the monthly income you want in retirement against the income you can reliably produce: guaranteed sources (Social Security + pension) plus a sustainable draw from your portfolio. The shortfall is your income gap.

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Every visitor who runs the Retirement Income Gap can be identified — a verified email at minimum, often a full name and postal address — and added to your prospects in ProspectMatch. No form fill required.

The method

How it works

01 Guaranteed income is your Social Security plus pension.
02 Portfolio income is your balance times a safe annual withdrawal rate, divided by 12.
03 The gap is your desired monthly income minus the total of those covered amounts (a negative gap is a surplus).

portfolioIncome = balance × safeWithdrawalRate ÷ 12; gap = desiredIncome − (socialSecurity + pension + portfolioIncome).

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