Dividend planning toolkit
Retirement Income Gap Calculator
Use this calculator to estimate the capital required to close a retirement income shortfall using a target after-tax yield.
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Retirement Income Gap Analysis
Update the assumptions below to model a realistic dividend-income path.
What this calculator helps you estimate
Good for turning a retirement spending target into a concrete portfolio goal.
Shows the gap between current passive income and required capital at your assumed yield and tax rate.
How to interpret the result
Treat the output as a planning range, not a guarantee. Dividend policy, taxes, inflation, and market valuation can all change faster than a spreadsheet implies.
| Planning question | Next step |
|---|---|
| How much income does this portfolio produce now? | Use the dividend income calculator and compare monthly dividends with monthly expenses. |
| What happens if dividends keep growing? | Use the yield on cost or reinvestment calculator to test growth and compounding assumptions. |
| How much capital is still missing? | Use the retirement income gap calculator to turn a shortfall into a portfolio target. |
Frequently asked questions
What if my expenses will change in retirement?
Model the spending level you actually expect in retirement, not your current gross salary or lifestyle by default.
Should Social Security or pensions be included?
Yes. Add any reliable income sources you expect to reduce the amount your dividend portfolio needs to cover.
Why does the required capital move so much?
Small changes in after-tax yield assumptions create large changes in the amount of principal needed.