Work out retirement savings gap instantly with clear inputs, formula shown and shareable results.
The gap is the target corpus less what today's savings will grow into. Converting that shortfall into a required monthly investment turns an intimidating number into an actionable one.
Gap and fix
Gap = Target - Savings(1+r)^t; SIP = Gap / annuity-due factor
Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
Work on all four levers: save more, retire later, spend less in retirement, or accept a higher-risk allocation knowingly.
Annually, and after any large change in income, expenses or market levels.