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Finance Calculators
Retirement Income Replacement Calculator
Calculate what percentage of your pre-retirement income your expected retirement income sources will replace.
Income replacement ratio
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Annual income gap
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About the Retirement Income Replacement Calculator
The income replacement ratio compares your expected retirement income — from Social Security, pensions and portfolio withdrawals combined — against your pre-retirement working income, showing how much of your former lifestyle your retirement income can sustain.
Formula: Replacement Ratio = (Expected Retirement Income ÷ Pre-Retirement Income) × 100
Many financial planners target a 70-85% replacement ratio, reasoning that some working-era costs (commuting, retirement savings contributions, payroll taxes) disappear once you actually retire.
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