Retirement Shortfall Calculator

Find the gap between projected retirement savings and what you need, and the extra saving or later retirement to fix it.

Enter values

Result

Shortfall

$350,000.00

Find the gap between projected retirement savings and what you need, and the extra saving or later retirement to fix it.

Also known as: retirement gap, retirement savings gap, behind on retirement.

Enter projected savings at retirement, savings needed, years to retirement, return.
The result updates instantly as you type — press Calculate (or Enter) at any time.
Review the breakdown shown under the main result.
Use Copy result or Share to save the answer or send a link with your inputs.

Extra PMT = gap × r / ((1 + r)ⁿ − 1)

Using the values pre-filled in the calculator above:

the calculator returns: