Retirement Income Gap Calculator

Complimentary stress-test — The Top Minds — 360° LIFE DESIGN™

Calculate Your Exact Retirement Income Gap

Enter your information to unlock your personalized gap analysis — showing the difference between what your current plan will generate and what you actually need, projected over 20 and 30 years with the real cost of waiting.

Please complete all fields to continue.
Educational illustration only. Projections are hypothetical estimates based on your inputs and do not constitute a guarantee of future results or a recommendation to purchase any specific product or strategy.

Your retirement income picture

yrs
yrs
$
401(k), IRA, investments combined
$
Amount you add per year
$
Annual income you want in retirement
$
Check ssa.gov for your estimate
%
% of savings in 401(k) / traditional IRA
%
Your annual retirement income gap
—
Monthly shortfall
—
Projected portfolio at retirement
—
After-tax portfolio value
—

The cumulative cost of your gap

Over 20 years
—
Total uncovered retirement income need
Over 30 years
—
Total uncovered retirement income need

These figures represent the total income shortfall in today's dollars across a 20 and 30-year retirement. They are not portfolio values — they are the total cumulative income you would need to source from somewhere each year to maintain your desired standard of living.

The cost of waiting

What every year of delay costs you

Act now
—
years to structure income
Wait 3 years
—
additional gap created
Wait 5 years
—
additional gap created

Your gap is visible. Now let's close it.

A complimentary 45-minute 360° LIFE DESIGN™ Strategy Session maps a specific income structure to your exact numbers — showing you what it takes to Blueprint the Income. Architect the Life.

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The Top Minds™
This illustration was prepared by a licensed insurance professional for educational purposes only. It does not constitute a guarantee of future results, a promise of specific benefits, or a recommendation to purchase any specific product or strategy. All projections are hypothetical and based on user-provided inputs. Actual results will vary based on investment performance, tax law changes, and individual circumstances. Retirement income strategies involve risk. Insurance products referenced are subject to underwriting and carrier review. Carriers rated A or higher by AM Best.  |  (888) 896-8858  ·  [email protected]  ·  Serving clients virtually nationwide.
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