Retirement Income Gap

Map every income source against your spending needs — and find the gap you still need to fill.

Your Retirement Needs

Annual Expenses ($)

Retirement Age

Income Sources

Social Security / yr ($)

Pension / yr ($)

Other Income / yr ($)

Portfolio ($)

Withdrawal Rate 4.0%

Income Sources vs. Annual Need

Total Income

—

annually

Annual Need

—

annually

Income Gap

—

additional annual income needed

To close a — annual gap, you'd need an additional — in portfolio assets at your current withdrawal rate.

Retirement Income Gap

The Retirement Income Gap calculator is the most grounding tool in the FIRE suite because it forces a real accounting of where retirement income actually comes from. Instead of just calculating a single FIRE number, it breaks your income into four named streams (Social Security, portfolio withdrawals, pension, and other income) then stacks them against your actual spending need to show you exactly how large your gap is, or whether you have a surplus. The insight callout does the extra work of translating any gap into the additional portfolio dollars you would need at a 4% withdrawal rate, which gives users a concrete savings target rather than just a shortfall number.