RetirementPath

Stage 2 · Your details

Build your retirement picture.

Use today’s dollars. Your entries remain on your device and can be edited whenever your plans change.

Input profilesLoad or save a reusable snapshot.

Reusable snapshots

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Profiles are stored only in this browser. They do not sync to another device and disappear if browser or site data is cleared.

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Input snapshot

Save current inputs

This saves the complete set of input values as a named snapshot. Later edits will not update it automatically.

Up to 60 characters. Names are unique regardless of capitalization.

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Delete “”? The inputs currently visible in the planner will not change.

Essentials

Your household, income, savings, and spending

Start with the details that have the largest effect. Tax-distinct accounts and owner-specific registered balances remain separate.

Household

This saved age is held fixed when you run either full optimization. You can test nearby ages on the results page.

Income and employer pensions

Use the annual amount from your pension plan statement. Enter $0 if you do not have one.

Public pensions

The model compares starts from age 60 to 70.

Accounts and assets

Enter the combined RRSP and RRIF value; use the RRIF field below to identify when minimums begin.

Retirement lifestyle

Annual spending in today’s dollars, including housing, debt payments, and everyday costs.

Advanced assumptionsDefaults currently assumed: 2% real return · plan to 95 · 50/50 savings splitShow

Assuming full entered Canadian residence, 0% real income growth, Canadian payroll coverage, 65 public-benefit starts, 65% non-registered cost basis, a 50/50 RRSP–TFSA savings split, 2% real return, plan to age 95, and a $0 reserve.

Canadian residence and OAS

This simplified planner assumes Canadian citizenship and Canadian residence when OAS begins.

Income details and benefit status
Registered-account and contribution details

50% RRSP50% TFSA

Each share is capped by available room. Any excess and the estimated tax saved by RRSP contributions go to non-registered investments.

Planning assumptions

Old Age Security residence

What counts as living in Canada?

Why this matters

OAS generally looks at where Canada was your ordinary home after age 18. Time here before permanent residence may count, including qualifying years as an international student or temporary worker.

Generally count

  • Time after age 18 when Canada was your ordinary home
  • Qualifying time living here on a study or work permit
  • Time after becoming a permanent resident or citizen

Generally do not count

  • Time before age 18
  • Visits while your actual home remained abroad
  • Time holding a permit while living outside Canada
Service Canada makes the final decision.

They may ask for records showing where you lived and whether Canada was your ordinary home.

Read the official OAS eligibility rules ↗

Registered Retirement Income Fund

Has your RRIF already been opened?

When to select this

Choose “RRIF opened” only if you already have a RRIF. These details should match the choices made when that RRIF was opened.

First RRIF-minimum age

The age when your mandatory annual minimum withdrawals began—or will begin—based on the RRIF opening year.

Using your partner’s age

This applies only if you elected that age on the original RRIF application. Using the younger person’s age generally lowers the required withdrawal, and the choice normally cannot be changed for that RRIF.

Only an RRSP right now?

Leave the box unchecked. The planner assumes a future RRIF with the first mandatory minimum at age 72, calculated using your own age.

Read the official RRIF rules ↗

Registered Retirement Income Fund

Has your partner’s RRIF already been opened?

When to select this

Choose “Partner RRIF opened” only if your partner already has a RRIF. These details should match the choices made when that RRIF was opened.

First RRIF-minimum age

The age when your partner’s mandatory annual minimum withdrawals began—or will begin—based on the RRIF opening year.

Using your age

This applies only if your partner elected that age on the original RRIF application. Using the younger person’s age generally lowers the required withdrawal, and the choice normally cannot be changed for that RRIF.

Only an RRSP right now?

Leave the box unchecked. The planner assumes a future RRIF with the first mandatory minimum at age 72, calculated using your partner’s own age.

Read the official RRIF rules ↗