
Current age
Retirement starts at age
Retirement ends at age
Current annual income
Index income to inflation rate of
How much will you need at retirement?
35
|
65
![]()
Retirement Starts at Age
If already retired, enter the same age as the current age. X
Input Error: Retirement Starts at Age
Enter a value greater than or equal to 35. |
90
X
Input Error: Retirement Ends at Age
Enter a value greater than 65. |
65,000
![]()
Current Annual Income
Enter the total gross income (before-tax) for the household. |
2.00%
|
Inflated income at retirement |
117,739
|
75.00%
![]()
How Much Will You Need At Retirement?
Typically, you will need less income during retirement. A general guideline is 70% to 80% of pre-retirement income. |
Income need in first year of retirement |
88,304
|
Change income need? |
![]()
Change Income Need?
You can adjust the income need up to two times during retirement to reflect changes to income and expenditures. |
Change income need at age
Percent of above income needed
75
X
Input Error: Change Income Need at Age
Enter a value greater than 65. |
Inflated income at above age |
0
|
100.00%
X
Input Error: Percent of Above Income Needed
Enter a value between 1 and 100%. |
New income need at age |
0
|
Change income need again? |
![]()
Change Income Need?
You can adjust the income need up to two times during retirement to reflect changes to income and expenditures. |

RRSPs
Current value
Other RRSP investments or withdrawals
Before retirement (age 35 to 65)
TFSAs
Current value
Other TFSA investments or withdrawals
Before retirement (age 35 to 65)
Non-Registered Investments
Current value
Other Non-Registered investments or withdrawals
Before retirement (age 35 to 65)
Investments or withdrawals during retirement
During retirement (age 66 to 90)
Current value
10,000
|
When? | Amount | Indexed at | Start Age | End Age | |
Annual contribution |
|
2,500
|
2.00%
|
35
|
65
X
Input Error: Start Age
Enter a value between 35 and 65. X
Input Error: End Age
Enter a value between 35 and 65. X
Input Error: Indexed At
Enter a value between 0 and 10%. |
Description | Type | Amount | Indexed at | Start Age | End Age |
Other 1
|
|
0
|
0.00%
|
35
|
65
X
Input Error: Start Age
Enter a value between 35 and 65. X
Input Error: End Age
Enter a value between and 65. X
Input Error: Indexed At
Enter a value between 0 and 10%. |
Other 2
|
|
0
|
0.00%
|
35
|
65
|
Current value
10,000
|
When? | Amount | Indexed at | Start Age | End Age | |
Annual contribution |
|
2,500
|
2.00%
|
35
|
65
X
Input Error: Start/End Age
Enter a value between 35 and 65. X
Input Error: Start Age
Enter a value between 35 and 65. X
Input Error: End Age
Enter a value between 35 and 65. X
Input Error: Indexed At
Enter a value between 0 and 10%. |
Description | Type | Amount | Indexed at | Start Age | End Age |
Other 1
|
|
0
|
0.00%
|
35
|
65
X
Input Error: Start Age
Enter a value between 35 and 65. X
Input Error: End Age
Enter a value between and 65. X
Input Error: Indexed At
Enter a value between 0 and 10%. |
Other 2
|
|
0
|
0.00%
|
35
|
65
|
Current value
10,000
|
When? | Amount | Indexed at | Start Age | End Age | |
Annual investment |
|
2,500
|
2.00%
|
35
|
65
X
Input Error: Start Age
Enter a value between 35 and 65. X
Input Error: End Age
Enter a value between 35 and 65. X
Input Error: Indexed At
Enter a value between 0 and 10%. |

Other Non-Registered Investments or Withdrawals
Enter inflows such as an inheritance or cash from the sale of a home or outflows like a down payment or a vacation. For single year cash flows, enter the same Start Age and End Age.
Enter inflows such as an inheritance or cash from the sale of a home or outflows like a down payment or a vacation. For single year cash flows, enter the same Start Age and End Age.
Description | Type | Amount | Indexed at | Start Age | End Age |
Other 1
|
|
0
|
0.00%
|
35
|
65
X
Input Error: Start Age
Enter a value between 35 and 65. X
Input Error: End Age
Enter a value between and 65. X
Input Error: Indexed At
Enter a value between 0 and 10%. |
Other 2
|
|
0
|
0.00%
|
35
|
65
|
Other 3
|
|
0
|
0.00%
|
35
|
65
|

Investments or Withdrawals During Retirement
Enter inflows such as an inheritance or cash from the sale of a home or outflows like a down payment or a vacation. For single year cash flows, enter the same Start Age and End Age.
Enter inflows such as an inheritance or cash from the sale of a home or outflows like a down payment or a vacation. For single year cash flows, enter the same Start Age and End Age.
Description | Type | Amount | Indexed at | Start Age | End Age |
Other 1
|
|
0
|
0.00%
|
66
|
90
X
Input Error: Start Age
Enter a value between 66 and 90. X
Input Error: End Age
Enter a value between and 90. X
Input Error: Indexed At
Enter a value between 0 and 10%. |
Other 2
|
|
0
|
0.00%
|
66
|
90
|
Other 3
|
|
0
|
0.00%
|
66
|
90
|
Other 4
|
|
0
|
0.00%
|
66
|
90
|
Other 5
|
|
0
|
0.00%
|
66
|
90
|
Inflate amounts between now and the Start Ages entered above?
![]()
Inflate Amounts?
Click Yes if you want to index the above amounts starting now. Click No to wait until the Start Age to start indexing. |
|

Before retirement (age 35 to 65)
RRSPs
TFSAs
Non-Registered Investments
During retirement (age 65 to 90)
Rate of return
RRSPs
6.00%
|
6.00%
|
6.00%
|
Rate of return
6.00%
|
Change rate of return? |
![]()
Change Rate of Return?
Click Yes if you want to change the rate of return a few years into retirement. |
Change the return at age
New rate of return
75
X
Input Error: Change Rate of Return Age
Enter a value between 66 and 90. |
3.00%
X
Input Error: Rate of Return
Enter a value between 0 |
Change the rate of return again? |
![]()
Change Rate of Return?
Click Yes if you want to change the rate of return one more time. |

Include incomes for a spouse/partner? |
|
Client first name |
Jack
|
Partner first name |
Jillian
|
Partner's current age |
35
X
Input Error: Partner's Age
Partner age must be less than or equal to the client age (enter the older spouse as the client). |
CPP and OAS Benefits | ||||
CPP (Canada Pension Plan)
![]()
Government Pensions
The maximum annual CPP retirement benefit is $17,196 as of January 2025. |
Jack
|
Jillian
|
Are you currently receiving CPP |
|
|
Annual CPP amount being received |
17,196
|
17,196
|
What percent of maximum CPP do you qualify for? |
100.00%
|
100.00%
|
Adjusted annual CPP amount (today's $'s) |
17,196
|
17,196
|
Start receiving at age |
65
|
65
X
Input Error: Start Receiving at Age
Enter an age between 60 and 70. |
Inflated CPP amount at start age |
31,148
|
31,148
|
OAS (Old Age Security)
![]()
Old Age Security
The maximum annual OAS retirement benefit is $8,732 as of January 2025. |
Jack
|
Jillian
|
Are you currently receiving OAS? |
|
|
Annual OAS amount being received |
8,732
|
8,732
|
What percent of maximum OAS do you qualify for? |
100.00%
|
100.00%
|
Adjusted annual OAS amount (today's $'s) |
8,732
|
8,732
|
Defer receiving OAS for how many years? |
0
|
0
X
Input Error: Defer receiving OAS for how many years
Enter a value between 0 and 5. |
Inflated OAS amount at start age |
15,817
|
15,817
|
Index CPP and OAS benefits to inflation rate of |
2.00%
|
Pension Income | ||||
Jack | Amount | Indexed at | Start Age | End Age |
Pension 1
|
0
|
0.00%
|
66
|
90
X
Input Error: Start Age
Enter a value between 66 and 90. X
Input Error: End Age
Enter a value between and 90. X
Input Error: Indexed At
Enter a value between 0 and 10%. |
Pension 2
|
0
|
0.00%
|
66
|
90
|
Pension 3
|
0
|
0.00%
|
66
|
90
|
Jillian | Amount | Indexed at | Start Age | End Age |
Pension 1
|
0
|
0.00%
|
66
|
90
X
Input Error: Start Age
Enter a value between 66 and 90. X
Input Error: End Age
Enter a value between and 90. X
Input Error: Indexed At
Enter a value between 0 and 10%. |
Pension 2
|
0
|
0.00%
|
66
|
90
|
Pension 3
|
0
|
0.00%
|
66
|
90
|
Other Income | ||||
Jack | Amount | Indexed at | Start Age | End Age |
Other Income 1
|
0
|
0.00%
|
66
|
90
X
Input Error: Start Age
Enter a value between 66 and 90. X
Input Error: End Age
Enter a value between and 90. X
Input Error: Indexed At
Enter a value between 0 and 10%. |
Other Income 2
|
0
|
0.00%
|
66
|
90
|
Other Income 2
|
0
|
0.00%
|
66
|
90
|
Jillian | Amount | Indexed at | Start Age | End Age |
Other Income 1
|
0
|
0.00%
|
66
|
90
X
Input Error: Start Age
Enter a value between 66 and 90. X
Input Error: End Age
Enter a value between and 90. X
Input Error: Indexed At
Enter a value between 0 and 10%. |
Other Income 2
|
0
|
0.00%
|
66
|
90
|
Other Income 2
|
0
|
0.00%
|
66
|
90
|
Inflate income amounts between now and the Start Ages entered above? |
|

Adjust Your Plan:
Retirement Age
% Income Needed At Retirement
Annual Investment
Rate of Return (Before Retirement)
Rate of Return (During Retirement)
Retirement Age
65

Adjust Retirement Age
If you adjust the retirement age down and then up again, you may need to adjust the End Age values in the Investment and Retirement Income sections.
If you adjust the retirement age down and then up again, you may need to adjust the End Age values in the Investment and Retirement Income sections.
75.00%
2,500
6.00%
6.00%
Summary Chart
Investment Chart
You will have enough at Retirement
You will have $977,739 at the start of retirement
and $4,600,831 at the end of retirement.
and $4,600,831 at the end of retirement.
Value of Retirement Investments
$4,600,831
$3,450,623
$2,300,416
$1,150,208
$0
$977,739
$4,600,831
At Age 65
At Age 90

Jack | Jillian | RRSP | TFSA | Non-Registered | Total | |||
---|---|---|---|---|---|---|---|---|
Age | Age | Return | Value | Return | Value | Return | Value | Value |
35 | 35 | 6.00% | 13,100 | 6.00% | 13,100 | 6.00% | 13,100 | 39,300 |
36 | 36 | 6.00% | 16,436 | 6.00% | 16,436 | 6.00% | 16,436 | 49,308 |
37 | 37 | 6.00% | 20,023 | 6.00% | 20,023 | 6.00% | 20,023 | 60,069 |
38 | 38 | 6.00% | 23,878 | 6.00% | 23,878 | 6.00% | 23,878 | 71,633 |
39 | 39 | 6.00% | 28,016 | 6.00% | 28,016 | 6.00% | 28,016 | 84,049 |
40 | 40 | 6.00% | 32,457 | 6.00% | 32,457 | 6.00% | 32,457 | 97,372 |
41 | 41 | 6.00% | 37,220 | 6.00% | 37,220 | 6.00% | 37,220 | 111,661 |
42 | 42 | 6.00% | 42,325 | 6.00% | 42,325 | 6.00% | 42,325 | 126,976 |
43 | 43 | 6.00% | 47,794 | 6.00% | 47,794 | 6.00% | 47,794 | 143,382 |
44 | 44 | 6.00% | 53,649 | 6.00% | 53,649 | 6.00% | 53,649 | 160,948 |
45 | 45 | 6.00% | 59,916 | 6.00% | 59,916 | 6.00% | 59,916 | 179,747 |
46 | 46 | 6.00% | 66,619 | 6.00% | 66,619 | 6.00% | 66,619 | 199,857 |
47 | 47 | 6.00% | 73,787 | 6.00% | 73,787 | 6.00% | 73,787 | 221,361 |
48 | 48 | 6.00% | 81,448 | 6.00% | 81,448 | 6.00% | 81,448 | 244,344 |
49 | 49 | 6.00% | 89,634 | 6.00% | 89,634 | 6.00% | 89,634 | 268,901 |
50 | 50 | 6.00% | 98,376 | 6.00% | 98,376 | 6.00% | 98,376 | 295,129 |
51 | 51 | 6.00% | 107,711 | 6.00% | 107,711 | 6.00% | 107,711 | 323,133 |
52 | 52 | 6.00% | 117,674 | 6.00% | 117,674 | 6.00% | 117,674 | 353,023 |
53 | 53 | 6.00% | 128,305 | 6.00% | 128,305 | 6.00% | 128,305 | 384,916 |
54 | 54 | 6.00% | 139,646 | 6.00% | 139,646 | 6.00% | 139,646 | 418,937 |
55 | 55 | 6.00% | 151,739 | 6.00% | 151,739 | 6.00% | 151,739 | 455,218 |
56 | 56 | 6.00% | 164,633 | 6.00% | 164,633 | 6.00% | 164,633 | 493,898 |
57 | 57 | 6.00% | 178,376 | 6.00% | 178,376 | 6.00% | 178,376 | 535,127 |
58 | 58 | 6.00% | 193,020 | 6.00% | 193,020 | 6.00% | 193,020 | 579,061 |
59 | 59 | 6.00% | 208,623 | 6.00% | 208,623 | 6.00% | 208,623 | 625,868 |
60 | 60 | 6.00% | 225,242 | 6.00% | 225,242 | 6.00% | 225,242 | 675,725 |
61 | 61 | 6.00% | 242,940 | 6.00% | 242,940 | 6.00% | 242,940 | 728,819 |
62 | 62 | 6.00% | 261,783 | 6.00% | 261,783 | 6.00% | 261,783 | 785,350 |
63 | 63 | 6.00% | 281,843 | 6.00% | 281,843 | 6.00% | 281,843 | 845,528 |
64 | 64 | 6.00% | 303,193 | 6.00% | 303,193 | 6.00% | 303,193 | 909,579 |
65 | 65 | 6.00% | 325,913 | 6.00% | 325,913 | 6.00% | 325,913 | 977,739 |

Jack | Jillian | Income | Income | Inv't | Income | |||
---|---|---|---|---|---|---|---|---|
Age | Age | Need | CPP/OAS | Pension | Other | Inv't | Balance | Shortage |
65 | 65 | 88,304 | 93,930 | 0 | 0 | 5,626 | 983,365 | 0 |
66 | 66 | 90,070 | 95,809 | 0 | 0 | 5,738 | 1,048,105 | 0 |
67 | 67 | 91,871 | 97,725 | 0 | 0 | 5,853 | 1,116,845 | 0 |
68 | 68 | 93,709 | 99,679 | 0 | 0 | 5,970 | 1,189,826 | 0 |
69 | 69 | 95,583 | 101,673 | 0 | 0 | 6,090 | 1,267,305 | 0 |
70 | 70 | 97,495 | 103,706 | 0 | 0 | 6,212 | 1,349,555 | 0 |
71 | 71 | 99,445 | 105,780 | 0 | 0 | 6,336 | 1,436,864 | 0 |
72 | 72 | 101,434 | 107,896 | 0 | 0 | 6,462 | 1,529,538 | 0 |
73 | 73 | 103,462 | 110,054 | 0 | 0 | 6,592 | 1,627,902 | 0 |
74 | 74 | 105,531 | 112,255 | 0 | 0 | 6,724 | 1,732,300 | 0 |
75 | 75 | 107,642 | 114,500 | 0 | 0 | 6,858 | 1,843,096 | 0 |
76 | 76 | 109,795 | 116,790 | 0 | 0 | 6,995 | 1,960,677 | 0 |
77 | 77 | 111,991 | 119,126 | 0 | 0 | 7,135 | 2,085,453 | 0 |
78 | 78 | 114,231 | 121,508 | 0 | 0 | 7,278 | 2,217,858 | 0 |
79 | 79 | 116,515 | 123,939 | 0 | 0 | 7,423 | 2,358,353 | 0 |
80 | 80 | 118,846 | 126,417 | 0 | 0 | 7,572 | 2,507,426 | 0 |
81 | 81 | 121,222 | 128,946 | 0 | 0 | 7,723 | 2,665,594 | 0 |
82 | 82 | 123,647 | 131,525 | 0 | 0 | 7,878 | 2,833,408 | 0 |
83 | 83 | 126,120 | 134,155 | 0 | 0 | 8,035 | 3,011,447 | 0 |
84 | 84 | 128,642 | 136,838 | 0 | 0 | 8,196 | 3,200,330 | 0 |
85 | 85 | 131,215 | 139,575 | 0 | 0 | 8,360 | 3,400,710 | 0 |
86 | 86 | 133,839 | 142,366 | 0 | 0 | 8,527 | 3,613,280 | 0 |
87 | 87 | 136,516 | 145,214 | 0 | 0 | 8,698 | 3,838,774 | 0 |
88 | 88 | 139,247 | 148,118 | 0 | 0 | 8,872 | 4,077,972 | 0 |
89 | 89 | 142,031 | 151,080 | 0 | 0 | 9,049 | 4,331,699 | 0 |
90 | 90 | 144,872 | 154,102 | 0 | 0 | 9,230 | 4,600,831 | 0 |


Include:
Disclaimer
This tool is for educational purposes only and has certain assumptions built into it. All charts and illustrations are for illustrative purposes only and are not intended to illustrate the performance of any security or portfolio. Results are not guaranteed and past performance may not be repeated. We encourage you to contact us at 1-888-888-3147 with any questions. ©Copyright 2025 Ativa Interactive Corp. All rights reserved.
This tool is for educational purposes only and has certain assumptions built into it. All charts and illustrations are for illustrative purposes only and are not intended to illustrate the performance of any security or portfolio. Results are not guaranteed and past performance may not be repeated. We encourage you to contact us at 1-888-888-3147 with any questions. ©Copyright 2025 Ativa Interactive Corp. All rights reserved.