Retirement Gap: Planner

How much should you save for retirement when your income changes? Retirement Gap is a retirement calculator and contribution tracker for freelancers, contractors, and anyone with variable income. Estimate your monthly saving target, turn it into an annual plan, and track what you actually contribute. FIND YOUR SAVING TARGET Enter your spending, retirement age, current savings, and other retirement income. See the monthly saving pace your assumptions require, in today’s dollars. Adjust the assumptions to explore a different path. ADAPT TO STRONG AND LEAN MONTHS Record a contribution on the day you save. Each entry reduces the amount left for the year. When you finish a month, the remaining target is spread across future months—including when you saved nothing that month. FREE • One complete retirement scenario • Required monthly saving in today’s dollars • Editable retirement age, contribution, real-return, and withdrawal assumptions • Daily contribution check-ins and current-year activity map • Explicit month completion for recalculating the remaining pace • Year-to-date progress and remaining monthly pace • Optional private reminder • Home Screen widget RETIREMENT GAP PRO • Unlimited scenarios with side-by-side comparison • Focused editor for each possible path • Complete editable contribution history • Concise PDF retirement brief • Spreadsheet-ready contribution CSV • Portable local backup and validated restore • Purchase restore with your Apple Account PRIVATE BY DESIGN No sign-in. No bank or brokerage connection. Financial inputs stay in the app’s local container. Anonymous analytics, when enabled, sends only predefined parameter-free feature event names—never ages, balances, income, contributions, goals, labels, or free text—and can be turned off in More. No advertising or cross-app tracking. ASSUMPTIONS YOU CAN SEE Results are educational scenarios, not predictions, guarantees, tax calculations, investment recommendations, or a financial plan. Retirement Gap does not recommend securities, accounts, contribution limits, or tax strategies.