Free calculator

What’s your retirement income gap?

Three numbers, ten seconds: how much of the retirement you’re planning is covered by income that’s guaranteed — and how much is riding on the market? The gap is the number every income plan starts from.

Monthly spending you expect in retirement Housing, food, insurance, travel — the life you actually plan to live.

Monthly Social Security (you + spouse) Your estimate from ssa.gov, or your current benefit.

Other guaranteed monthly income Pension, existing annuity income, rental you count on. Not investment withdrawals — that’s the point of this exercise.

Your monthly income gap

See What Would Close This Gap

This calculator runs entirely in your browser — nothing you type is sent anywhere or stored. Educational tool only, not advice: it doesn’t account for inflation, taxes, or your full financial picture. A licensed advisor can — free, with zero pressure.

Why the gap matters

Markets don’t owe you groceries.

Anything the market pays for — withdrawals from a 401(k) or IRA — can shrink exactly when you need it most. The classic income-planning move is simple: cover your essential spending with income that arrives no matter what (Social Security, pension, and if there’s a gap, a “personal pension” built from part of your savings), and let the market handle the wants, not the needs.

Curious how that’s built? Read How Income Riders Work — ten honest minutes, including the fine print most pitches skip. Or see today’s published rate ranges.

Turn the gap into a plan.

Tell us your gap number and your state — one licensed advisor will show you exactly what it would take to close it with guaranteed lifetime income, from A-rated and B++/B+ carriers only. Free, and nobody will pressure you. Ever.

Educational tool only — not tax, legal, or investment advice. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.