Retirement calculators promise certainty, but most of them leave a massive blind spot that can sink even the best-laid plans: the gender gap. Women and men don’t retire under the same financial conditions, yet calculators spit out the same cookie-cutter projections.
Longer lifespans, uneven paychecks, career breaks, and smaller Social Security benefits all tilt the playing field. If those realities aren’t built into your numbers, the “nest egg” you think looks secure might actually come up short. That’s why it’s time to ask whether your calculator is giving you the full story—or a dangerously incomplete one.
