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Calculators / Income Gap

Retirement Income Gap Calculator

Identify the monthly income gap between expenses and guaranteed sources, then size the annuity needed to close it.

Live rate environment
Updated May 11, 2026
10-Yr Treasury
4.32%
FRED / U.S. Treasury
Fed Cut Probability
42%
Next FOMC June 17, 2026
Avg 5-Yr MYGA
5.60%
Industry average
SPIA @ 65M / $100K
$600/mo
Life-only payout
Inputs
Enter values and the result will appear here.

How this calculator works

Identify the monthly income gap between expenses and guaranteed sources, then size the annuity needed to close it.

Inputs: Monthly expenses, Social Security est., Pension, Other guaranteed income.

Output: Monthly gap and recommended annuity income ($).

Methodology: this calculator uses publicly available industry-average inputs (SSA Period Life Table, Federal Reserve Treasury yields, average carrier-published rate cards). Output is illustrative only. Actual carrier quotes vary by carrier, contract features, and current market conditions. Verify with the carrier or a licensed advisor before purchase.