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Both calculators run independently — change the inputs on either side to compare results.

Retirement Gap Calculator

Reveals how much annual income your current retirement savings and guaranteed benefits fall short of your target. Use it to identify funding gaps before retirement and adjust your savings plan accordingly.

Required Annual Income ($)

Annual Social Security ($)

Annual Pension ($)

Current Retirement Savings ($)

Fill in the required fields to see your result.

Retirement

Retirement Income Replacement Calculator

Calculate the percentage of your current income you will realistically need in retirement after adjusting for taxes, savings, work expenses, and lifestyle changes.

Pre-Retirement Annual Income ($)

Current Savings Rate (%)

Annual Work-Related Expenses ($)

Remaining Mortgage at Retirement ($)

Expected Tax Rate in Retirement (%)

Lifestyle Change Factor

Fill in the required fields to see your result.

Key differences

	Retirement Gap Calculator	Retirement Income Replacement Calculator
Category	Retirement	Retirement
Inputs required	4	6
Result	Annual Retirement Gap ($)	Income Replacement Ratio Needed (%)
What it does	Reveals how much annual income your current retirement savings and guaranteed benefits fall short of your target. Use it to identify funding gaps before retirement and adjust your savings plan accordingly.	Calculate the percentage of your current income you will realistically need in retirement after adjusting for taxes, savings, work expenses, and lifestyle changes.