Data is not saved. and is used for calculation only.
Updated year criteria 2026
Retirement Gap Calculator
The Retirement Gap Calculator estimates a investment and time value estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own retirement gap figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Compare the expected retirement accumulation with the target amount required, and calculate the additional monthly savings needed to close the gap.
Retirement Gap Calculations
The money you'll have when you retire.
-
Retirement goals.
-
Surplus/Deficit
-
Monthly extra savings.
-
Savings Period-
Return on investment.-
How to calculate the pension gap
The retirement gap helps you know if you're on the right track. The calculation is divided into 2 steps.
Step 1: Estimate the money to be
Use the formula for the future value of monthly savings plus the growth of current savings. FV = current money × (1+r)^n + monthly savings × [(1+r)^n - 1] / r
Step 2: Calculate additional savings
If there's a gap, use the PMT formula to find the additional monthly savings you need. Additional savings = space × r / [(1+r)^n - 1]
Frequently asked questions
What is the retirement gap?
The retirement gap is the difference between the money you expect to accumulate at retirement and the money you actually need to live comfortably after retirement. If you accumulate less than the target, there is a gap and you need to save more.
What if there is a pension gap?
There are several ways to close the gap: 1) increase monthly savings 2) increase return on investment by changing assets 3) postpone retirement 4) reduce post-retirement expenses This calculator will tell you how much you need to save each month to close the gap.
How much should the return be taken into account?
Depending on the investment strategy, if you invest in a combined equity fund, the long-term average return is 6-8% per year. If you invest in a mixed fund (equity + debt securities), the average return is 4-6% per year. For deposits and debt securities, the average return is 2-3% per year.
What should current savings count toward?
Includes all investment assets intended for post-retirement use, including RMF/LTF/SSF funds, money in the GCBC/life reserve fund, long-term deposits and stock portfolios, excluding primary residential property and emergency funds.
Check before using results
Summary before deciding
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
Disclaimer: The results of the calculations are only estimates and are not financial advice.
English calculator guide
How to use the Retirement Gap Calculator
Use this page to test a specific retirement gap scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the retirement gap estimate instead of relying on a generic example.
Build a baseline retirement gap case with figures that match your situation.
Run a second retirement gap case after changing the rate, period, quantity or other key assumption.
Record the difference between the two retirement gap results and the input responsible for it.
Inputs for the retirement gap estimate
For this retirement gap calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a investment and time value estimate for your scenario, not a guaranteed provider price or official decision.
How the retirement gap result is calculated
The calculator projects value over time from the entered amount, rate, period and contribution assumptions. Reusing the same retirement gap inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a retirement gap decision
Confirm any current rate, threshold or provider rule that could change the final amount. For retirement gap, Use the result as a planning estimate and confirm any rate, rule or threshold that may have changed before acting. Check the important inputs and any current provider or authority rules before using the result for a decision.
Language QA
Terminology, numeric values and calculator controls checked
Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
This history and results reside only in this device's browser. Press clear to delete immediately.
💾 Saved calculations
Save numbers only in this device's browser. It could be health or financial information. Therefore, the entered values or results are not sent to the server. You can delete them all from the button above. And data should be cleared when sharing the device with others.
Select 2–5. Items to compare
📊
There are no saved calculations yet.
Press the "Save" button after calculation to store the results.
