Retirement planning gets much easier when you can see the numbers side by side. This Retirement Reality Check compares your expected retirement income to your monthly spending goal and highlights any income gap. It also estimates how long your savings may last if withdrawals need to cover that difference.
Retirement Reality Check / Income Gap Analyzer
Compares your retirement income sources to your spending goal and estimates how long your savings can cover the gap.
Designed to pair with your Retirement Timeline & Milestones calculator.
Companion Tool
Spending goal + horizon
Income sources + savings
Spending at retirement (monthly)
$0
Net guaranteed income (monthly)
$0
Income gap (monthly)
$0
Implied first-year withdrawal rate
0%
Savings runway
—
—
$0
Run the check to see your results.
Next-step suggestions
This tool will generate practical next steps (ex: tighten the gap, delay retirement, adjust spending, or increase guaranteed income).
This is an educational estimate. It uses straightforward year-by-year projections (return, inflation, withdrawals) so you can see what drives the result.
