On Track
Your household plan comfortably covers your retirement expenses.
Plan your retirement together.
Two incomes, two TFSAs, two RRSPs, two CPP streams. See your combined wealth over time — and how long it lasts.
Your household's retirement goal
One or two sentences. Your plan chat uses this to give answers tied to what you actually care about.
This is the goal for this plan. To explore a different scenario as a household, create a new plan from /plans.
Household total, today’s dollars
Used for tax-aware drawdown
On Track
Surplus at 95: $16,521,450
Real value: $4,936,711
Dashed blue line = inflation-adjusted (today's $). Dashed vertical lines = each partner's retirement date.
Pre-filled from your solo plan — edit freely
Investments
Non-Registered & Other Income
OptionalCrypto, private equity, other liquid assets
DB pension, rental share — starts at retirement
Investments
Non-Registered & Other Income
OptionalCrypto, private equity, other liquid assets
DB pension, rental share — starts at retirement
Combined Household — CPP & OAS
Both partners' benefits at their projected start ages (Partner A at 65, Partner B at 65).
$3,209/mo
$38,508/yr · today's dollars
Partner A
$1,743/mo
CPP $1,000 · OAS $743
Partner B
$1,466/mo
CPP $834 · OAS $632
These figures feed your projection chart automatically — adjust either partner's start age above to see the effect.
FHSA is a tax-free savings account for first-time home buyers.
Partner A
Age 35 → Retire 60
Portfolio at retirement
$1.26M
$1,258,337
Partner B
Age 34 → Retire 62
Portfolio at retirement
$1.24M
$1,240,117
Combined Net Worth Today
$535,000
Incl. $380,000 home equity
Combined CPP + OAS
$3,206/mo
Partner A: $1,713 · Partner B: $1,493
Monthly Retirement Income
$11,320/mo
+$7,170 surplus vs. $4,150 goal
Portfolio at Age 95
$16,521,450
Real (today's $): $4,936,711
Equity
$380,000
The higher earner contributes to a spousal RRSP in the lower earner's name — withdrawals are taxed at the lower earner's rate in retirement.
From Partner A's RRSP room into Partner B's spousal RRSP
| Without Spousal RRSP | With Spousal RRSP | |
|---|---|---|
| Partner A's RRSP at retirement | $665,376 | $665,376 |
| Partner B's RRSP at retirement | $640,005 | $640,005 |
| Combined annual RRSP tax (est.) | $10,704/yr | $10,704/yr |
Approximate estimate using average Canadian combined marginal tax rates. Actual savings depend on province and total retirement income.
Your retirement dates are staggered
Partner A retires first at 60. During the 3-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.
Have kids?
Add each child's RESP, CESG grants, and university timeline to see how saving for tuition fits alongside your retirement plan.
Want to go deeper?