Canadian Retirement Planner

Personal & Income ▼

Date of Birth

Province

Annual Employment Income ($)

Desired Net Retirement Income ($/yr)

After-tax amount you want to spend per year. Leave blank to use 70% of current income.

Current Assets ▼

RRSP ($)

TFSA ($)

Non-Registered ($)

DC Pension ($)

DB Pension (est. $/month at 65)

From your pension administrator's estimate

Other Savings ($)

Registered Account Room ▼

RRSP Room ($)

From your NOA or CRA My Account

TFSA Room ($)

From CRA My Account

Mortgage ▼

Remaining Balance ($)

Interest Rate (%)

Payment Amount ($)

Periods Remaining

Payment Frequency

Government Benefits ▼

Estimated CPP at Age 65 ($/month)

From My Service Canada. 2026 max: ~$1,433/mo. Leave blank to estimate 60% of max.

OAS at Age 65 ($/month)

Leave blank to use current standard amount (~$728/mo). Enhanced 10% top-up at age 75.

Planning Assumptions ▼

Retirement Age 65

CPP Start Age 65

Before 65: −0.6%/month. After 65: +0.7%/month (max +42% at 70)

OAS Start Age 65

Deferral: +0.6%/month after 65 (max +36% at 70)

Effective Tax Rate in Retirement 25.0%

Applied to RRSP/RRIF, CPP, OAS, DB withdrawals. TFSA and non-reg capital gains taxed at half this rate.

RRSP Savings 10%

TFSA Savings 5%

Taxable Savings 0%

Excess beyond contribution room spills to taxable. Room limits grow with inflation.

Expected Annual Return 6.0%

Inflation Rate 2.5%

Life Expectancy 90

Enter your date of birth and assets on the left to see your retirement projection.

Years to Retirement

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Portfolio at Retirement

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Portfolio Lasts To

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Withdrawal Rate

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Govt Income/yr

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Portfolio Gap/yr

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Portfolio Projection (Nominal $)

Annual Income by Source — Retirement Phase (Today's $)

Retirement Income Breakdown (at Retirement, Today's $)

Source	Type	Monthly	Annual
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Key Milestones

Event	Age	Year	Note
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Estimates only. Does not account for income tax, OAS clawback, provincial variations, or changes in legislation. Always consult a qualified financial planner.