Stage 3 · Modeled results

Explore retirement at age 65.

This fast, non-optimized scenario uses the retirement age and annual savings split from your inputs.

Modeled gap to review

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Your retirement age stays fixed at 65. The 2026 model compares annual RRSP/TFSA savings allocation, CPP/QPP timing, OAS timing, and RRSP/RRIF withdrawal combinations. Financial value combines gross work income, funded retirement spending, and ending after-tax assets; the other targets compare estimated lifetime public benefits, income tax, or the share of planned spending funded.

Ready to compare allocation, benefit-timing, and withdrawal combinations.

Total modeled financial value$2,505,789Gross work income + funded retirement spending + ending after-tax assets

Start CPPAge 70

Start OASAge 70

Estimated lifetime benefits (GIS + OAS + CPP)$1,224,006

Lifetime income tax$128,5592026 real-dollar estimate

Lifetime work income$905,000Projected gross household income in today’s dollars

Total planned retirement spending funded$1,600,789Excludes reinvested surplus

Estimated after-tax assets at the planning horizon$0Includes the model’s terminal-tax assumptions

Income and account balances

After-tax income, spending, and household assets

82% funded

After-tax income (including work) Planned spending Total account balance RRSP / RRIF balance TFSA balance Non-registered balance

The projection starts at your current age, and after-tax income includes household work income before retirement. Income and spending use the left scale; account balances use the right scale. Red markers identify shortfall years. Hover, touch, or use the chart with arrow keys. Values are household totals in today’s Canadian dollars.

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Adjust one decision at a time. The chart and guidance use the same active scenario.

Retirement ageAge 65

60Entered age: 6570

Scenario range: five years on either side of your entered age 65, within your current age and planning horizon.

Annual savings allocation50% RRSP / 50% TFSA

100% TFSA50 / 50100% RRSP

Entered split: 50% RRSP / 50% TFSAEach share is capped by available room. Overflow and estimated RRSP tax savings are invested in the non-registered account.

RRSP / RRIF annual withdrawal target$0 gross

$0Starting assumption: $0$150,000

Applied as a retirement-long floor in $500 increments, with the exact registered-balance endpoint available; required RRIF minimums or spending needs may exceed it.

CPP starting ageAge 70

60Starting assumption: 7070

CPP changes permanently around the age 65 benchmark.

OAS requested starting ageAge 70

65Starting assumption: 7070

Residence eligibility can move the effective payment age later.

Starting scenario ready.

Review selected annual projections

Age	Work	Pensions	CPP/QPP	OAS	GIS est.	RRSP/RRIF withdrawal	TFSA withdrawal	Non-reg. withdrawal	Realized capital gain	Cash withdrawal	Income tax	OAS repayment	Payroll contributions	After tax	Spending	RRSP/RRIF balance	TFSA balance	Total assets
58	$115K	$0	$0	$0	$0	$0	$0	$0	$0	$0	$14K	$0	$8K	$92K	$70K	$156K	$44K	$216K
63	$115K	$0	$0	$0	$0	$0	$0	$0	$0	$0	$14K	$0	$8K	$92K	$70K	$188K	$64K	$272K
65	$50K	$0	$0	$0	$0	$0	$4K	$6K	$961	$15K	$2K	$0	$4K	$70K	$70K	$198K	$66K	$264K
68	$0	$0	$11K	$9K	$0	$49K	$5K	$0	$0	$0	$3K	$0	$0	$70K	$70K	$161K	$0	$161K
70	$0	$0	$25K	$21K	$0	$28K	$0	$0	$0	$0	$5K	$0	$0	$70K	$70K	$83K	$0	$83K
71	$0	$0	$25K	$21K	$0	$28K	$0	$0	$0	$0	$5K	$0	$0	$70K	$70K	$57K	$0	$57K
72	$0	$0	$25K	$21K	$0	$27K	$0	$0	$0	$0	$4K	$0	$0	$70K	$70K	$31K	$0	$31K
73	$0	$0	$25K	$21K	$0	$27K	$0	$0	$0	$0	$4K	$0	$0	$70K	$70K	$4K	$0	$4K
75	$0	$0	$25K	$23K	$2K	$0	$0	$0	$0	$0	$0	$0	$0	$50K	$70K	$0	$0	$0
78	$0	$0	$25K	$23K	$2K	$0	$0	$0	$0	$0	$0	$0	$0	$51K	$70K	$0	$0	$0
83	$0	$0	$25K	$23K	$2K	$0	$0	$0	$0	$0	$0	$0	$0	$51K	$70K	$0	$0	$0
88	$0	$0	$25K	$23K	$2K	$0	$0	$0	$0	$0	$0	$0	$0	$51K	$70K	$0	$0	$0