Help · Retirement planner
Using the retirement simulator
The retirement planner projects your household balance year by year, from today to your life expectancy, with CPP, OAS, RRIF minimums, and Canadian tax modelled in.
Move a dial and everything redraws live: the projection, the net worth chart, and your chance of success. The headline figures stay responsive while the heavier simulation catches up in the background.
Start in Quick mode for the core dials, then switch to Detailed, Estate, or Survivor mode to reveal tax-planning, estate, and spousal cards. Every calculator card carries an educational, not advice, note.
Step by step
- 01
Set the core dials
Adjust retirement age, monthly savings, expected return, inflation, desired income, and the ages you claim CPP and OAS.
- 02
Try a scenario
Apply a preset, for example a leaner return, to see how the plan holds up, then tune from there.
- 03
Read your chance of success
The survival probability runs 500 simulated lifetimes. Higher means more resilient to bad market timing.
- 04
Open the projection table
Scroll the year-by-year table for income by source, tax, and ending balance; you can override a year of spending inline.
Questions
- What does chance of success mean?
- It is the share of 500 simulated market paths in which your money lasts through your life expectancy. It is a resilience gauge, not a guarantee.
- Are CPP and OAS included?
- Yes. Both are estimated from your claim ages and indexed to inflation, and OAS clawback is applied above the CRA threshold.
- Why does the success number lag for a moment?
- The cheap projection updates instantly; the 500-path simulation is deferred so dragging stays smooth, then it settles to the new value.