Early Retirement Bridge Calculator

Use our Early Retirement Bridge Calculator to find the savings you need to bridge the gap between retiring early and the start of Social Security or a pension — or the monthly spending a fund you already have can cover.

Enter your monthly income gap in today’s dollars: your planned spending minus any income you still have. The calculator lets it rise with inflation while the fund earns your expected return, and spends the fund down to zero by the end age.

It works in today’s dollars with the real return — your return after inflation. When inflation is higher than your return, you need more than the total you withdraw.

Returns, inflation and spending are kept steady; taxes, fees and a bad market early in the bridge are not modeled, so a cautious return is safer. For income after the bridge, use our Retirement Income Calculator.