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Your projected savings may not cover your retirement expenses. Consider saving more, retiring later, or reducing spending goals.
See where your plan stands today.
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Your retirement goal
One or two sentences. Your plan chat uses this to give answers tied to what you actually care about.
Success
Surplus at 95: $55k
Real (Today's $): $17k
⚠️ Bridging 5 yrs before CPP/OAS at 65
In today's dollars — chart auto inflation-adjusts
Total across all institutions. Use a blended rate below if you hold accounts at multiple providers.
Cumulative CRA limits since 2009 (TFSA inception) · $7,000 added Jan 1, 2026 · varied $5,000–$10,000/yr historically
4% (Safe) — 15% (Aggressive)
Projected at retirement · age 60
$645k
100% tax-free
~$25.8k/yr
4% safe withdrawal
Total across all institutions. Use a blended rate below if you hold accounts at multiple providers.
18% of earned income · 2026 CRA cap $33,810
4% (Safe) — 15% (Aggressive)
Tax Profile
Every $1 contributed effectively costs $0.69 after your refund.
FHSA is a tax-free savings account for first-time home buyers.
Everything outside TFSA & RRSP — crypto, LIRA, business equity, GICs, etc.
Blended growth rate. Need per-asset control? Switch to Detailed.
Enter a balance above to include it in your retirement projection.
Pension + rental + dividends + anything else starting at retirement. Need to break it down by source? Switch to Detailed.
Your projected RRSP balance when you convert to a RRIF
Mandatory by age 71
Above CRA minimum
2% Conservative — 5% Balanced — 10% Growth
Tax estimates use ON combined marginal rates. Change province in the RRSP Planner above.
Year 1 — age 65
Balance at 95
$29k
Avg After-Tax / yr
$4,912
Total Tax (est.)
$38,301
Years of Income
31
RRIF Balance Over Time