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Social Security + Spending Gap Calculator

See how Social Security reduces the portfolio you need by identifying your real retirement spending gap

Understanding Your Spending Gap

Many retirees overestimate how much they need to save because they forget that Social Security will cover a significant portion of their spending. This calculator shows your actual "spending gap" - the difference between what you want to spend and what Social Security provides - and calculates the portfolio size needed to fill that gap using sustainable withdrawal rates.

Your Retirement Income & Expenses

Target Monthly Spending
Your desired monthly retirement budget
Social Security Monthly Income
Combined household Social Security benefits
Other Monthly Income
Pension, rental income, part-time work, etc.

Withdrawal Rate Assumptions

Starting Withdrawal Rate
Common range: 3.5% - 5.0%
For context in results

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