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Retirement Savings Shortfall Calculator

Gap between your projected and target nest egg.

Project the future value of your current retirement balance plus annual contributions, then compare it against a target nest egg (typically 25× annual desired spending) to report the shortfall (or surplus).

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

$
$
yr
%
$
%

Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

FV = current · (1+r)^n + annual · ((1+r)^n − 1) / r. Shortfall = target − FV.

In depth

Project the future value of your current retirement balance plus annual contributions, then compare it against a target nest egg (typically 25× annual desired spending) to report the shortfall (or surplus).