Free Retirement Calculator
What's your retirement
income gap?
Answer 4 quick questions and see exactly where you stand — and how far you have to go to retire on your terms.
Takes about 2 minutes · No account needed
This calculator is for educational purposes only and does not constitute financial, investment, or tax advice. Results are estimates based on the information you provide and assumed rates of return. Consult a qualified financial advisor before making any financial decisions. Investment advisory services offered through Alphastar Capital Management, LLC, a SEC registered investment advisor. Live Free Retirement Advisor and Alphastar Capital Management, LLC are separate and independent entities.
Step 1 of 425%
Getting started
Who are we planning for?
Select one — we'll adjust the questions to fit.
Spouse / Partner
Step 2 of 450%
Your retirement lifestyle
How much monthly income do you want?
Think about what you spend today — most people need 75–90% of their current income.
$
Total household monthly need, before taxes.
This affects your estimated healthcare costs before Medicare begins.
Step 3 of 475%
Your current savings
Where do things stand today?
Include all retirement accounts — 401(k), IRA, brokerage, savings.
$
Enter 0 if just getting started.
$
$
Step 4 of 490%
Social Security & other income
What guaranteed income will you have?
Find your SS estimate at ssa.gov/myaccount. Leave blank and we'll estimate it.
$
Leave blank to auto-estimate.
$
Leave blank to auto-estimate.
Your results are ready
Where should we send
your full report?
Enter your name and email to unlock your personalized retirement income gap analysis — no cost, no obligation.
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Prepared for you
Your retirement gap is —
Projected nest egg
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Amount needed
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Your gap
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Monthly income breakdown
Monthly goal
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Social Security
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Portfolio income
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Monthly shortfall
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Estimates based on a 4% safe withdrawal rate from your projected portfolio at retirement.
Gap by growth scenario
ProjectedGap
Conservative
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Moderate
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Optimistic
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Conservative = 5% returnModerate = 7% returnOptimistic = 9% return
Things worth talking about
Eric Gaddy
Financial Advisor & Author · Since 1993
Ready to close the gap?
A free 30-minute call with Eric turns these numbers into a real plan — no obligation, no products pushed on the first call.
Schedule My Free Call →No cost for your first consultation
This calculator is for educational and illustrative purposes only. It is not financial, investment, legal, or tax advice. Results are projections based on user-provided inputs and assumed rates of return which are not guaranteed. Past performance does not guarantee future results. Actual results will vary. Please consult a qualified financial advisor before making any financial decisions. Investment advisory and financial planning services are offered through Alphastar Capital Management, LLC, a SEC registered investment advisor. Live Free Retirement Advisor and Alphastar Capital Management, LLC are separate and independent entities.