State pension gap calculator

Top-up needed beyond the state amount.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Income needed

State pension

Withdrawal rate

Private income needed

$29,000

Pot required

$290,000

With these inputs, private income needed comes to $29,000. Pot required works out to $290,000. The result assumes withdrawal rate stays at 4%.

What moves the number · Private income needed

Input	−10%	Now	+10%
Income needed	$24,800	$29,000	$33,200
State pension	$30,300	$29,000	$27,700

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Top-up needed beyond the state amount.

With the defaults above, private income needed works out at $29,000.