Retirement Planning

Retirement Income Gap Calculator

Compare the income you want in retirement with what your plan actually delivers — and find the gap before it finds you.

Desired Monthly Income
Your Target
Total Monthly Income
From All Sources
Monthly Gap
Shortfall / Surplus
Income Coverage
Of Desired Income

Income Breakdown

Monthly income sources vs. your target.

Detailed Breakdown

Income Source Monthly Annual % of Goal

Understanding Your Income Gap

How This Works

This calculator compares your target monthly income with your expected income from all sources. The difference — your gap — reveals whether your retirement plan is on track or needs attention before it's too late to adjust.

Why It Matters

Even a small monthly shortfall compounds into a major problem. A $500/month gap equals $6,000 per year — potentially $120,000 or more over a 20-year retirement. Identifying it now creates time to act.

Closing the Gap

Evans Legacy Financial helps clients bridge income gaps using Fixed Indexed Annuities (FIAs), DST investments, and structured income planning — turning accumulated wealth into dependable, predictable cash flow.