Pension Gap Calculator

Rule of thumb: 70–80% of pre-retirement income. So if earning $100k, aim for $70–80k/year retired. Adjust for health, travel plans, debt status.

Yes, but realistically. Claim at 62 (70% of full benefit) vs 67+ (100%+). Longevity risk: live past 85? Delayed claiming pays off. Build some cushion.

Huge. 3% inflation = money halves every 24 years. Use real (inflation-adjusted) returns when projecting. Underestimating inflation is a common retirement killer.