Income Replacement Ratio Calculator
Share of pre-retirement income your retirement income replaces.
Compare Your Options And Get Clear Answers
Share of pre-retirement income your retirement income replaces.
Income Replacement Ratio Estimator
Enter your numbers below for an instant estimate.
How It Works
Key concepts behind this calculator
Enter Values
Fill in each field with your own numbers.
Calculate
Results update as you change the inputs.
Review
Read the breakdown and the explanation.
Adjust
Change values to compare scenarios.
Income Quick Guide
Typical values for reference.
| Before | Retirement | Target % | Ratio |
|---|---|---|---|
| 55000 | 33000 | 70 | 60.0% |
| 30000 | 24000 | 70 | 80.0% |
| 100000 | 55000 | 80 | 55.0% |
| 45000 | 30000 | 70 | 66.7% |
| Rule of Thumb | Check inputs | Use as a guide | Round sensibly |
Income Replacement Ratio Calculator FAQ
Answers to common questions about this calculator.
It uses the formula shown with your inputs. Real prices and rules vary, so treat it as a guide.
Ratio = retirement income / pre-retirement income.
It is an estimate based on the inputs you enter. Check real quotes, labels or official guidance for important decisions.
Yes. Replace each input with your own figures and the result updates instantly.