Fund Club

Gap Calculator

See exactly how far you are from work-optional — and the path to close it.

Your Gap
The distance between what you have and what you need.
$
What you'd want covered each year once work is optional. We'll multiply this by 25 to find your number.
$
Total across investment accounts working toward this goal.
$
How much you plan to invest each year between now and your work-optional age.
%
The average annual growth you expect on your invested portfolio, after inflation is optional to factor in.
Your path to work-optional
Work-optional number
$0
Your gap
$0
still needed to reach it
$0
currently invested
0
years to your target age
Year-by-year projection
Age Contribution Growth Balance Passive Income

How this works

Your work-optional number is your annual income or expenses × 25 — the same math behind the 4% rule. Subtract what you've already invested and you get your gap: the amount still standing between you and making work a choice. The table projects your portfolio forward using your annual contribution and expected return, compounding once per year, and applies the 4% rule to that year's balance to estimate the annual passive income it could generate — so you can watch it climb year over year until it overtakes the income or expenses you entered. It's a planning estimate, not a guarantee; real returns vary year to year.