Retirement Gap Analysis:
How Much Passive Income Do You Really Need?
Most people think they’re on track to retire at 65.
Then they do the math and discover a $5,000/year gap.
Every year. For 20-30 years of retirement.
Find out if you’re on track—or what you need to fix.
This Free Tool Helps You Calculate:
→ Your actual annual living expenses
(Most people underestimate this by 30-40%)
→ How much passive income you need to retire
(It’s probably less than you think—but more than your 401(k) provides)
→ Your current retirement income gap
(The difference between what you’ll have and what you’ll need)
→ How many rental properties you need to close the gap
(Specific number based on YOUR situation—not generic advice)
→ A realistic timeline to financial freedom
(When you could actually retire if you start today)
Plus: Worksheets to track your progress and adjust your plan.
The $5,000 Question Most People Never Ask:
Let’s say you’re 35 years old making $75,000/year.
You’re contributing 6% to your 401(k). Your employer matches 3%.
That’s $6,750/year for 30 years.
At age 65, assuming 7% returns, you’ll have $650,000.
Sounds great, right?
But here’s the reality:
• You need $52,500/year to maintain your lifestyle (70% replacement)
• Your 401(k) provides $26,000/year (4% withdrawal rule)
• Social Security adds $21,600/year
• Total: $47,600/year
That’s a $5,000/year shortfall.
Every. Single. Year.
For 25+ years of retirement.
This is the Retirement Gap—and it’s bigger than most people realize.
But Here’s the Good News:
Real estate can close that gap.
If each rental property generates $400-500/month in cash flow,
you only need 10-12 properties to replace $50K+/year in income.
10-12 properties over 10 years = 1 property per year.
That’s not impossible. That’s a PLAN.
The Retirement Gap Analysis tool shows you:
✓ YOUR specific gap
✓ How many properties YOU need
✓ YOUR realistic timeline
I Did This Math at Age 43.
I was sitting at my desk thinking: “22 more years until retirement.”
That felt like a prison sentence.
So I opened a spreadsheet and did the math:
• My annual expenses: $62,400
• Passive income needed: $5,200/month
• Current rental income: $2,600/month
• My gap: $2,600/month
• Properties needed: 6-7 more
If I bought 1 property per year, I could retire in 7 years.
Not 22 years. Seven years.
That clarity changed everything.
10 years later, I retired at 53.
This tool is that same spreadsheet—simplified for you.