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Retirement Gap

This meta-tool combines three layers of Taiwan retirement planning: the 4% rule total requirement, expected Labor Insurance + Labor Pension monthly income, and your personal investment projection. It shows where you stand and how much more to save monthly.

Inputs

We inflate this to the nominal amount at retirement using the inflation rate.

Estimate your monthly amount first with the Labor Insurance & Labor Pension calculatorthen fill it in.

Personal investing

Retirement gap
Retirement gap (personal investing portion)
On track
Annual expense at retirement (inflated)NT$1.09M
Total assets needed (÷ 4% withdrawal rate)NT$27.17M
− Pension annuity equivalent assetNT$9M
Personal investing targetNT$18.17M
Projected personal assets at retirementNT$21.11M
How it is computed
  • Total need = annual expense × (1 + inflation)^years ÷ withdrawal rate
  • Pension equivalent = annual pension ÷ withdrawal rate (asset-equivalent framing)
  • Personal projection = current assets compounded + future value of monthly contributions
  • Gap = target − projected

This tool combines Labor Insurance + Labor Pension + personal investing + 4% rule concepts. Outputs are math estimates only; actual market returns, inflation, and pension rules all change over time. Not retirement advice.

Use the Labor Pension Calculator first to estimate your expected monthly pension, then plug the number in here.

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