Retirement Funding Gap Calculator

Calculates required retirement capital, projected capital and the fixed monthly saving needed to close the gap.

Client & Timeline

Client Name

Date of Birth

Start Date

Retirement Age

Retirement Date

End Age

End Date

Years to Retirement

Currency

Pre-retirement Assumptions

Investment Return (% p.a.)

Fees (% p.a.)

Net Return (% p.a.)

Inflation / Today's Value (% p.a.)

Current Investments

Current Monthly Contribution

Post-retirement / Income Need

Required Monthly Income - Today's Value

Monthly Income at Retirement

Investment Return (% p.a.)

Fees (% p.a.)

Income Escalation (% p.a.)

Net Real Return (% p.a.)

Current / Future Lump Sums

Use this for existing retirement capital, bonuses or future once-off contributions. Dates use yyyy/mm/dd.

Results - 100% Capital

Required Retirement Capital

R -

Capital needed at retirement date

Projected Retirement Capital

R -

Current trajectory at retirement

Funding Position

R -

Surplus or shortfall

Additional Monthly Saving Required

R -

Fixed monthly saving until retirement

Results - 75% Replacement Ratio

Required Retirement Capital

R -

Capital needed at retirement date

Projected Retirement Capital

R -

Current trajectory at retirement

Funding Position

R -

Surplus or shortfall

Additional Monthly Saving Required

R -

Fixed monthly saving until retirement

Wealth Trajectory

Income Provision - 100%

Year	Age	Annual Withdrawal	Value End of Year	% Drawdown

Income Provision - 75%

Year	Age	Annual Withdrawal	Value End of Year	% Drawdown

For illustration only. This is not financial advice.Ready.