The median American has $87,000 saved for retirement (Federal Reserve SCF, 2022). Most people know that is not enough — but they do not know how much more they need each month. This calculator shows your projected balance, the income gap, and the exact monthly increase that closes it.

Uses the 4% safe withdrawal rule, SSA benefit estimates, and BLS inflation data. See our methodology →

Retirement Savings Gap Calculator

Current Age

Retirement Age

Current Savings ($)

Monthly Contribution ($)

Expected Return (%)

Desired Annual Retirement Income ($)

Expected Social Security ($/month)

Inflation Rate (%)

Your Retirement Projection

Projected Balance at Retirement

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Annual Income from Savings (4% Rule)

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Social Security Income (Annual)

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Total Projected Income

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Desired Income (Inflation-Adjusted)

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Savings Growth (5-Year Intervals)

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Rates, limits, and default assumptions as of July 2026. Report an issue.