How it works
Monthly income gap = max(0, desired spending − pension income − other income).
Input definitions
- Desired monthly spending
- Enter the value in the labeled unit.
- Monthly pension income
- Enter the value in the labeled unit.
- Other monthly income
- Enter the value in the labeled unit.
A worked example
- Desired monthly spending
- 3000
- Monthly pension income
- 1800
- Other monthly income
- 200
Assumptions & limits
Planning model using the rates, cash flows and periods entered. Examples are illustrative, not market quotes or personalised financial advice. Taxes, inflation and transaction costs are excluded unless explicitly entered.
Sources & review
Maintained by AnsRio. Methods and examples use automated checks; this does not imply independent professional certification.
Method updated 2026-10-18. Content checked against the stated method and examples. Our verification approach.
Common questions
Does this calculate a pension entitlement?
No. Enter independently established income estimates. Inflation, tax, survivor benefits and entitlement conditions must be considered separately.
How does Retirement income gap work?
Monthly income gap = max(0, desired spending − pension income − other income).
What should I check before using Retirement income gap?
Planning model using the rates, cash flows and periods entered. Examples are illustrative, not market quotes or personalised financial advice. Taxes, inflation and transaction costs are excluded unless explicitly entered.