01 · Check in
Record each contribution day.
Add one editable daily total—not invoices, income, or bank credentials. The year map keeps the rhythm visible.
Retirement planning for irregular income
Your paycheck changes. Your plan can adapt.
Retirement Gap turns lean and strong months into one calm yearly pace—then shows what your path could support each month in retirement.
No account connectionInputs stay on deviceNo subscription
Personal retirement briefRetirement Gap
Projected spending
$3,970
per month in today’s dollars
Monthly gap$1,230
Why it exists
Most retirement tools assume every month behaves.
02 · Rebalance
Finish the month you actually had.
When you mark a month complete, the remaining pace redistributes without streaks, badges, or shame.
03 · Look ahead
Connect this year to later life.
See the effect as monthly retirement spending, using assumptions you can inspect and change.
A calmer progress view
Every saving day belongs to a bigger year.
Record one honest total when you contribute. The year map makes your real rhythm visible, while the remaining monthly pace adapts around strong and lean periods.
- One editable total per day.Correct a contribution without creating duplicate history.
- No streaks or shame.Empty days are information—not failure.
- One connected answer.See how this year’s progress changes the pace still ahead.
Free planning worksheet
Find the monthly saving pace your retirement life asks for.
Retirement Gap Pro
Pay once. Keep the plan useful.
Compare unlimited paths side by side, keep the complete contribution history, export PDF and CSV files, and retain a portable local backup. The complete first plan and current-year pace stay free.
$9.99one-time US launch price · no subscription
Straight answers
Built to be useful, not authoritative.
Does Retirement Gap tell me what to invest in?
No. It models user-entered contribution, timing, real-return, and withdrawal assumptions. It does not recommend securities, accounts, tax strategies, or asset allocations.
Why not connect my accounts?
The core job needs a few deliberate contribution check-ins, not a transaction feed. Keeping account credentials out of scope makes the product calmer and the privacy promise easier to verify.
What leaves my phone?
Your financial inputs do not. If anonymous analytics is enabled, the app sends only predefined feature event names and basic app/device identifiers to Firebase; you can turn this off in More.