Pension Gap Calculator
Current Pension Pot ($)
Target Retirement Pot ($)
Current Age
Retirement Age
Annual Growth Rate (%)
A pension gap calculator compares your projected retirement pot to your target, showing the monthly extra contribution needed to close the shortfall.
- 1Target = Annual income × 25 (4% rule)
- 2Project current pot: FV = PV × (1+r)^n
- 3Gap = Target − Projected
- 4Monthly top-up uses future value annuity formula
Current £60k, target £600k, 25yr, 5% growth=Projected £203k; Gap £397k; need ~£700/mo extra
| Annual income | Pot needed (25×) |
|---|---|
| £15k | £375k |
| £25k | £625k |
| £40k | £1M |
| £60k | £1.5M |
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