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Measuring America's Retirement Deficit (PDF)
Employee Benefit Research Institute [EBRI] 
Feb. 17, 2015
"[T]he aggregate national retirement savings deficit is about $4.13 trillion for all U.S. households between age 25 and 64. However, that estimate is based on current Social Security benefits not being cut in the future. With the [OASDI] trust fund projected to be exhausted by 2033, EBRI estimates the retirement deficit will increase to $4.38 trillion at that time if no additional funding is provided and a pro rata reduction in Social Security benefits is allowed to take effect."
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