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Retirement Savings Gap Calculator

Work out retirement savings gap instantly with clear inputs, formula shown and shareable results.

About Retirement Savings Gap Calculator

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.

Formula

Gap and fix

Gap = Target - Savings(1+r)^t; SIP = Gap / annuity-due factor

Worked example

With the default values below, Retirement Savings Gap Calculator returns Shortfall At Retirement of $0. Change any input above and every figure here is recalculated in your browser.

Inputs used

Corpus You Needminimum 0
30,000,000
Saved So Farminimum 0
4,000,000
Expected Annual Returnaccepts 0–100 %
11 %
Years To Retirementaccepts 1–45
20

Results

Shortfall At Retirement
$0
Projected Value Of Current Savings
$32,249,246
Monthly Investment To Close The Gap
$0.00
Shortfall As Share Of The Target
0.00%

Step by step

  1. 1Values used
  2. 2Gap and fix
  3. 3Shortfall At Retirement= 0
  4. 4Projected Value Of Current Savings= 32,249,246
  5. 5Monthly Investment To Close The Gap= 0.00
  6. 6Shortfall As Share Of The Target= 0.00

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • 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.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

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.

Frequently Asked Questions

What if the required SIP is impossible?

Work on all four levers: save more, retire later, spend less in retirement, or accept a higher-risk allocation knowingly.

How often should this be reviewed?

Annually, and after any large change in income, expenses or market levels.

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