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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

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

Withdrawal Rate Assumptions

Common range: 3.5% - 5.0%
For context in results