Retirement Shortfall Calculator
Retirement Shortfall Calculator
Project your shortfall or surplus at retirement.
What This Number Means
This projection is only one part of the decision. Before you adjust your plan, consider:
Whether your current plan results in a shortfall or surplus
How large the gap is between savings and retirement needs
What's driving the shortfall — savings rate, timeline, or spending
How closing the gap now compares to closing it later
Whether small changes today meaningfully shrink the shortfall
How to Use This Calculator
1
Enter your current savings and contributions: Input your current balance and ongoing savings rate.
2
Add your expected retirement expenses: Enter your anticipated annual expenses in retirement.
3
Set your time horizon: Enter your current age and planned retirement age.
4
Review your projected shortfall or surplus: See whether your plan is projected to fall short or hold up.
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