Retirement Savings Gap Analysis

This Gap Analysis Calculator will help you determine if you have saved enough for retirement. Just enter a few values (only the values highlight in yellow are required) and select Calculate. The calculator is for educational purposes only and uses certain assumptions to make simplify the process. For a more in-depth analysis of your finances contact ICMA-RC or consult a professional. All results are in current or present day dollars.

Is There A Gap in Your Retirement Savings?

Calculate how much more you may need to save for retirement
1. Your annual income (include all sources of income)*	$
2. Your total projected pension(s) (current dollars)	$
3. Your total projected social security (current dollars)	$
4. Retirement savings available now (including 457, 401, 403(b), and IRAs)	$
5. Annual investment returns for your current savings
6. Annual investment returns for your savings in retirement
7. Inflation Rate *
8. Current Age *
9. Desired retirement age (assumes separation from service and retirement are at same age) *
10. Annual income desired in retirement (current dollars)*	$
11. What is your estimated life expectancy? *
12. Do you plan on any one-time expenses at retirement?	$

* Required fields

Results
1. Number of years until retirement (retirement age - current age)
2. Total annual retirement income from pensions and Social Security (SSA + pensions)	$
3. This number is the estimated total amount of savings you will need at retirement.	$
4. This number is the estimated value of your current savings at retirement.	$
5. This is the gap in your savings (projected savings need - estimated total of current savings)	$
6. To make up this difference, you will need to annually save	$

Retirement planning is a complex process, dependent upon an individual’s specific circumstances. For additional help planning for your retirement future you may want to consult a professional.

For additional help planning for your retirement future contact Investor Services.

Please consult both the current applicable prospectus and MAKING SOUND INVESTMENT DECISIONS: A Retirement Investment Guide carefully for a complete summary of all fees, expenses, charges, financial highlights, investment objectives, risks and performance information. Investing in mutual funds and other investment vehicles involves risk, including possible loss of the amount invested. Investors should consider the Fund's investment objectives, risks, charges and expenses before investing or sending money. The prospectus contains this and other information about the investment company. Please read the prospectus carefully before investing. All Vantagepoint Funds invested through 401 or 457 plans are held through VantageTrust. Vantagepoint Funds are distributed by ICMA-RC Services LLC, a wholly owned broker-dealer subsidiary of ICMA-RC and member FINRA/SIPC. For a current prospectus, contact ICMA-RC Services, LLC. To contact ICMA-RC Services, LLC, ICMA-RC, or any of its affiliates call 800-669-7400 (TDD: 800-669-7471) or write to 777 North Capitol Street, NE, Washington, DC 20002-4240. You may also visit us on the Web at www.icmarc.org. Para asistencia en Español llame al 800-669-8216.