Canadian Retirement Planner

retirement tool

Set up the household and assumptions

Tune the inputs below to model a single person or couple, plus spending phases and estate targets. Everything stays in your browser.

Household

Province / territory Annual after-tax income needed ($/yr) Return before retirement (%/yr, after inflation) Return in retirement (%/yr, after inflation) Slow-go phase starts at age Slow-go spending reduction (%) No-go phase starts at age No-go spending reduction (%) Estate to leave for descendants ($, after tax)

People

projection

Your plan, rendered as a year-by-year path

Run a projection to see retirement age, income mix, taxes and the net worth arc.

Assumptions & limitations

This is a planning aid, not financial or tax advice. Verify any strategy with a licensed advisor before acting on it.