01 · Spending
Essentials + flexible.
02 · Income
Savings, SS, pension.
03 · Bridge
Years before Medicare.
04 · Review
Independent income review.
Built for Americans 50–62 leaving work before Medicare
Before you leave work. Know your gap.
Tell us your numbers. See whether savings, Social Security, healthcare, and guaranteed income cover the spending you actually want — before you give notice.
Gap report
Your monthly gap.
Six inputs. One number that matters.
Example report
This is what your report looks like.
Educational estimates only — visible assumptions, ranges not certainty. This site does not provide financial, tax, legal, insurance, or investment advice.
Enter
Start with age, retirement target, savings, spending, and known income.
Calculate
Estimate the monthly income gap before asking for contact details.
Report
Show readiness, gap, risks, and educational plan paths.
Review
High-intent readers can request a retirement income review.
Start Here
The shortest path from "Can I retire early?" to a retirement income gap report.
Calculate gap
Can I retire before 62?
Age, target date, savings, spending, healthcare bridge years, and guaranteed income become one gap estimate.
Read report
What is my monthly shortfall?
The report separates portfolio income, Social Security or pension income, and the spending gap to solve.
Flag risks
Which risks could change the answer?
Healthcare before Medicare, Social Security timing, inflation, and market sequence risk are named early.
Review options
Should I request a review?
High-intent readers can ask for an educational retirement income review after seeing the gap.
Planning Model
Early retirement is a monthly income gap problem before it is a net-worth number.
The site now foregrounds the decisions that matter: essential spending, flexible spending, bridge years before Medicare or Social Security, withdrawal order, tax brackets, survivorship, and what income should be dependable versus market-linked.
Core readiness checks
- Monthly spending is documented and split into essential and flexible buckets.
- Bridge-income years are mapped before the paycheck stops.
- Healthcare, tax, and survivor-income assumptions are explicit.
- Guaranteed income is evaluated as a fit question, not a default answer.
Planning Tools
Start with the Can I Retire Early? gap report.
The first card estimates the retirement income gap. The supporting tools explain readiness, FIRE number, and guaranteed-income fit without turning the MVP into a broad financial portal.
Start with the gap report
Retirement income gap workspace
Change the assumptions, then use the checks on the right to decide what needs review.
Primary report
$1,158Can I Retire Early?
Monthly income gap
$68,100estimated income$13,900annual gap
Estimated annual income: $68,100. Annual gap or surplus: $13,900.
Use this result to pressure-test bridge years, withdrawal rate, and guaranteed income.
Request income reviewReadiness
1/5Planning checks
Start with the basics
FIRE target
31%$2,000,000
$1,380,000 still needed by age 58.
Guarantees
3 checksIncome fit
Decision library
Articles should send readers back to the gap check.
The library supports SEO, but the homepage should keep the product wedge clear: read enough to understand the decision, then check whether the income gap exists.
Open curated article postsCurated decision articles
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Mastering the 4% Rule: A Blueprint for Secure Retirement Planning
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Understanding Social Security Benefits: A Beginner’s Guide
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Apr 20, 2024
The Importance of Social Security Benefits
Explore key strategies to increase your Social Security income effectively. Secure your retirement now.
Apr 19, 2024
How to Choose the Right Asset Allocation for Your Retirement Portfolio
Discover how effective asset allocation enhances your retirement planning and financial goals.
Contact
Get my retirement income review.
Share enough context to route an educational review of the gap estimate. Submitting this form does not create an advisory relationship or obligate you to purchase anything.