§ Calculator · Investment
Savings + distribution (two-phase)
What this is
Two-phase projection: accumulate for X years, then withdraw monthly for Y years.
Accumulation phase: contributions + growth. Decumulation phase: fixed monthly draw at a lower expected return (you usually de-risk into retirement). Output: peak nest egg + how long it lasts.
Peak nest egg
$762,566
Lasts
20.9 yr
Annual draw
$54,000
Two-phase trajectory: accumulation → decumulation
Use accumulation return ~6-8% (equity-heavy) and distribution return ~3-5% (balanced or bond-heavy). De-risk the closer you get to retirement.
Disclaimer
Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting.