Free Tools
Retirement Gap Calculator
Check if you are behind for retirement and see exactly how much to adjust each month.
Retirement Gap Inputs
Estimate if your current savings pace can cover your retirement income goal.
Status: On track
Years to retirement
32
Projected balance at retirement
$874,410
Required nest egg
$632,140
Retirement gap
No gap
What this tool solves
Most people do not know if their current savings pace can fund their target retirement lifestyle. This calculator compares your projected savings to your required retirement nest egg and gives you a practical monthly adjustment target.
Use it as a planning checkpoint, then track execution weekly in the MoneyCoach app.
How to get more reliable projections
1. Run three scenarios. Use conservative, base, and optimistic return assumptions.
2. Keep inflation realistic. Even small inflation changes can materially affect retirement spending needs.
3. Update contribution assumptions. Reflect expected salary changes and actual savings behavior.
What to do if you have a gap
Start by increasing contributions gradually, for example with an automatic annual step-up.
Evaluate whether a later retirement date or lower target spending significantly reduces the shortfall.
Focus on controllable levers first and revisit your plan quarterly.
FAQ
Is this retirement advice?
No. This is an educational projection tool based on your assumptions.
What if my return assumptions are too high?
Run a conservative version with lower returns to stress-test your plan.
Which assumptions matter most?
Savings rate, retirement age, return expectations, and inflation usually have the largest impact.
How often should I update this plan?
Quarterly is a practical cadence, and immediately after major life changes.
Turn this into a weekly plan
Track contributions, budgets, and progress in one place with MoneyCoach.
Get MoneyCoachImportant Disclaimer
This tool is for educational and planning purposes only. It does not provide financial, tax, or legal advice. Results are estimates based on your inputs and may differ from real-world outcomes.