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.
Retirement Income Gap Analysis
Update the assumptions below to model a realistic dividend-income path.
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.
Keep exploring
Use the related calculators and guides to test the same assumptions from a different angle.
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.