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.

Step by step

1. Guaranteed income is your Social Security plus pension.
2. Portfolio income is your balance times a safe annual withdrawal rate, divided by 12.
3. The gap is your desired monthly income minus the total of those covered amounts (a negative gap is a surplus).

The math

portfolioIncome = balance × safeWithdrawalRate ÷ 12; gap = desiredIncome − (socialSecurity + pension + portfolioIncome).

Sources & assumptions

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

Note: Nothing proprietary — the full calculation is described here.

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