See how much monthly income your retirement may actually need—and how eliminating payments could change the answer.
Blue-Collar Money Reset
Find Your Retirement Gap
Stop asking whether you have some “magic” retirement number. Start with the monthly number your retirement actually has to cover.
Free educational calculator • Takes about 2 minutes • No investment assumptions required
1
Your retirement target
These answers give the result context. The core gap is based on monthly income and expenses.
$401(k), IRA, similar accounts
2
Monthly retirement picture
Use your best estimate. Enter regular living expenses excluding the debt payments you’ll list in Step 3.
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$
$
$
3
Payments that could follow you into retirement
Check payments you expect could still exist when you retire. For the Reset Gap, uncheck “Keep in reset” if your goal is to eliminate that payment before retirement.
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$
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4
Your Retirement Gap Snapshot
Base retirement gap
$0
Living expenses minus dependable monthly income.
Payment-adjusted gap
$0
Your base gap plus payments currently expected to remain.
Reset gap
$0
What remains after the payment eliminations and expense reduction you selected.
Educational use only. This calculator is a planning aid, not individualized financial, tax, legal, or investment advice. Results depend entirely on the estimates you enter and do not model taxes, inflation, investment returns, healthcare changes, longevity, or Social Security benefit changes.
Your number is only the beginning.
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Get your free Retirement Gap Breakdown and see what your numbers may be telling you, which monthly payments are putting the most pressure on your retirement, and the three areas to work on next.