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Retirement Gap Calculator

Find your nest egg target and current shortfall.

Understanding This Calculator

Your retirement gap is the difference between your projected savings and what you will actually need to maintain your desired lifestyle. Closing it requires disciplined saving and investing today.

Core Formula

Gap = Target Nest Egg − Projected Savings

How much income do I need in retirement?

A common benchmark is 70–80% of pre-retirement income. Adjust for expected healthcare costs, travel, and downsizing.

What is the 4% rule?

The 4% rule suggests withdrawing 4% of your nest egg annually, adjusted for inflation, to sustain a 30-year retirement with high probability of success.

* All calculations above are theoretical estimates. Actual returns vary based on market performance, fees, taxes, inflation, and economic factors. This tool is for educational purposes only — not financial advice.

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Ads are from third parties. CompoundFig does not endorse advertised products and is not responsible for their claims. Our calculators remain independent educational estimates.