Help · Retirement planner
Reading the net worth projection
The net worth projection shows your projected portfolio balance for every year of the plan, stacked by account type, so you see not just how much you have but where it sits.
Each bar is one year. The coloured segments split the balance into Registered (RRSP/RRIF), TFSA, and Non-registered, and the height of the bar is your total invested balance that year.
It redraws live as you move the dials on the retirement page, and appears as a saved-plan snapshot on the workbench. The split is modelled from your current account mix, drawn down in a tax-efficient order, and always sums to the projected balance.
Step by step
- 01
Read the stack
Taller bars mean a larger balance; the colours show how it is divided across your accounts that year.
- 02
Watch the mix shift
In retirement the taxable (non-registered) slice is drawn down first, then registered, with the TFSA kept for last.
- 03
Move a dial
On the retirement page the chart updates immediately as you change retirement age, savings, or expected return.
- 04
Check it on the workbench
The workbench shows the same chart from your saved plan, as a quick reference while you ask questions.
Questions
- Where does the account split come from?
- From your current account balances. The model keeps their proportions while the balance grows and draws them down in a tax-efficient order, so the segments always add up to the projected total.
- Does it include my home or other property?
- No. It shows invested accounts (RRSP/RRIF, TFSA, non-registered). Real estate is not part of this chart.
- Why does the workbench chart differ from the planner?
- The planner reflects your live dials; the workbench shows a baseline from your saved plan. Open the planner to change the assumptions.