OneLifeFL
Free Tool

What's your retirement income gap?

Most people know roughly what they'd like to live on each month. Fewer know how much of that is already guaranteed. The difference between those two numbers is the part your savings have to cover — and it's the number worth knowing before anything else.

1. What you want each month

After tax, in today's dollars. A rough number is fine.

$

2. What's already guaranteed

Income that arrives whatever the market does. Leave anything blank if it doesn't apply or you're not sure.

$
$
$
$
$
$

Nothing here is sent anywhere or saved. It's arithmetic running in your browser.

Guaranteed each month $0

Enter your numbers above.

Monthly gap —

Fill in what you'd like each month and what's already coming in. The gap is simply the difference.

Talk Through Your Number Complete a Full Fact Finder

What this does and doesn't do

  • It's subtraction, not a projection. Your guaranteed income subtracted from what you want. No returns, no inflation, no taxes, no market assumptions.
  • Today's dollars. What costs $6,000 a month now will cost more later. A real plan accounts for that; this tool doesn't.
  • It doesn't tell you whether your savings are enough. That depends on how much you have, how long you need it, and how it's invested — which is the conversation, not the calculator.
  • A gap isn't a problem by itself. Nearly everyone has one. It's normally covered by savings. The question is whether it's covered reliably, including in a bad year.
  • Nothing here is a recommendation or an offer of any product, and no result implies you qualify for anything.