Ace the eMoney Certification 2026 – Transform Your Financial Future Now!

Understanding whether retirement is funded comes from comparing what you’ll need in retirement to what you’ll have available, over the whole retirement horizon. If resources don’t cover needs, you want to know not only that a gap exists but also how long that gap lasts.

The Big Picture report provides the high-level status: it shows whether retirement funding is adequate and, if there’s a shortfall, the duration of the unfunded period. The Needs vs Resources Detail report then digs into the specifics, breaking down the gap year by year so you can see exactly how many years you’ll be unfunded and by how much, along with where the shortfall occurs. Together, they give both an overall assessment and the precise timeline of the shortfall.

Other reports focus on different aspects or provide a broader forecast without presenting the explicit year-by-year unfunded duration in the same integrated way, so they don’t align as directly with the question of “if unfunded, by how many years.”