If the results show a gap, don't panic. That's common, and you have a number of options to help close it. Depending on your situation, you may want to: Increase your retirement savings contributions. Work a bit longer. Take a part-time job in retirement. Delay the age, up to age 70, at which you start Social Security, which can boost your monthly benefit later on. Estimating your retirement income needs is not an exact science, and your needs, as well as your vision for retirement, will evolve. No matter your life stage or how much you've saved, a careful review of your expected needs and income can help you prepare for the years ahead.