Calculate My Pension Gap and What It Costs to Close It

There's the retirement you picture and the one your current saving rate actually buys. This runs the full gap calculation: your age, pot, contributions, State Pension forecast and target income, all in today's money, then tells you the size of the shortfall and what extra you'd need to put away to close it.

Run a full pension gap calculation for me. Inputs:

- Current age: {CURRENT_AGE}
- Target retirement age: {RETIREMENT_AGE}
- Current pension pot value: {CURRENT_POT}
- Current monthly contributions (employer + employee combined): {MONTHLY_CONTRIBUTIONS}
- State Pension forecast (annual): {STATE_PENSION_ANNUAL}
- Target retirement income (annual, today's money): {TARGET_INCOME}
- Assumed real investment return: {REAL_RETURN_PERCENT}%
- Assumed inflation: {INFLATION_PERCENT}%

Calculate: (1) the pot I need at retirement to fund my target income to age 90, (2) the pot I am on track to accumulate, (3) the gap in today's money, (4) the additional monthly contribution needed to close it fully, and (5) a partial close option at half the gap. Present results in a clear table and highlight any State Pension shortfall years.