Plan your retirement together
Two incomes. Two TFSAs and RRSPs. Two CPP and OAS streams. See your combined household wealth over time — and how long it lasts.
Investments
Government Benefits
Enter amounts in today's dollars. Use the CPP & OAS guide to estimate your benefit.
Investments
Government Benefits
Enter amounts in today's dollars. Use the CPP & OAS guide to estimate your benefit.
Household total, today's dollars
Rental, DB pension, dividends, etc.
Home value / remaining mortgage
On Track
Surplus at 95: $4,620,084
Real value: $1,380,510
Dashed blue line = inflation-adjusted real value in today's dollars. Dashed vertical lines = each partner's retirement date.
Combined Net Worth Today
$563,000
Incl. $380,000 home equity
Combined CPP + OAS
$3,256/mo
Partner A: $1,763 · Partner B: $1,493
Monthly Retirement Income
$11,992/mo
+$4,992 surplus vs. $7,000 goal
Portfolio at Age 95
$4,620,084
Real (today's $): $1,380,510
Spousal RRSP opportunity: reduce your combined tax bill
Partner A earns significantly more, which means they pay tax at a higher marginal rate today — and would face a large tax hit on RRSP withdrawals in retirement. By contributing to a spousal RRSP (where Partner A contributes but Partner B is the plan owner), withdrawals in retirement are taxed in Partner B's hands at their lower marginal rate. This can save your household thousands in tax over a multi-decade retirement.
Your retirement dates are staggered
Partner A retires first at 62. During the 2-year gap before Partner B retires, the working partner's contributions keep flowing into the combined portfolio — providing a meaningful buffer. The projection already accounts for this stagger.
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