How is the Retirement Income Gap calculated?

We compare the monthly income you want in retirement against the income you can reliably produce: guaranteed sources (Social Security + pension) plus a sustainable draw from your portfolio. The shortfall is your income gap.

What data and assumptions does it use?

The safe-withdrawal-rate concept (commonly cited near 4%) is widely published; the rate is an on-screen, tenant-configurable assumption.

Income · Live reading

Retirement Income Gap

Will your income cover your lifestyle? Move a dial — your result responds instantly.

Calibrate

Drag to set each value — estimates are fine.

Desired monthly income

The monthly income you’d like in retirement.

Social Security (monthly)

Your expected monthly Social Security benefit.

Pension (monthly)

Any monthly pension income.

Retirement portfolio balance

Savings you’ll draw income from.

Withdrawal rate

How much of your portfolio you draw per year (the “4% rule”).

Guaranteed Portfolio Gap

Charles Melita

CDM Financial Services

Turn this reading into a plan — a quick conversation is the fastest next step.

CMelita@NLGroupmail.com

What this means for you

Get a plain-English summary of your reading.

Levers that move this

Desired monthly income
Social Security (monthly)
Pension (monthly)
Retirement portfolio balance
Withdrawal rate

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How this is calculated →

This income estimate is educational only and uses a simplified safe-withdrawal assumption.
It is not a guarantee of income. Speak with your advisor for a full plan.