Retirement Income Gap Calculator
See how much of your income Social Security will actually replace — and what's left uncovered.
Social Security was never designed to fully replace your income. Most Americans receive far less than they expect.
- Earliest you can claim: age 62 (reduced benefits)
- Full retirement age: 66–67 depending on birth year
- Delay to age 70 for max benefit (+8%/yr after FRA)
- SS replaces ~40% of pre-retirement income on average
- Maximum SS benefit: $5,181/mo ($62,172/yr) in 2025
Current age
Age 40
2561
Annual income
$80,000
$20k$300k
Retirement age
The hard truth
Est. Social Security / yr
$0
starting age 65
Current annual income
$0
Annual income gap
$0
uncovered each year
Current income
Social Security
Uncovered gap
This tool is for educational purposes only and uses simplified Social Security benefit estimates based on average replacement rates. The maximum SS benefit is capped at $62,172/yr ($5,181/mo) per 2025 SSA data. Actual benefits depend on your full earnings history, birth year, and claiming age. Consult SSA.gov or a licensed financial advisor for a personalized projection. This is not financial advice.
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