Stage 3 · Modeled results
Explore retirement at age 65.
This fast starting scenario uses the retirement age and annual savings split from your inputs.
Starting scenario
No spending requirement is modeled.
- Ending after-tax assets
- $829,209 No reserve target entered
Total plan value$829,209Retirement spending funded + estimated ending after-tax assets
Income and account balances
After-tax income, spending, and household assets
Review assumptions and active decisions
- Retirement ages
- Age 65Edit
- Desired after-tax spending
- $0 per yearEdit
- Expected real return
- 2% after inflation and feesEdit
- Plan-to ages
- 95Edit
- CPP start
- Age 70
- OAS start
- Requested 70; effective 70
- Annual savings allocation
- 50% RRSP / 50% TFSA
- Registered-withdrawal target
- $0 gross per year
- Reserve goal
- $0Edit
- Charitable donations
- 0% of income, on top of spendingEdit
Review milestone-led annual projections to plan-to age 95
Age 55$0after-tax income$0assets
- Work income
- $0
- Employer pensions
- $0
- CPP/QPP
- $0
- OAS
- $0
- GIS estimate
- $0
- RRSP / RRIF (+ in / − out)
- $0
- TFSA (+ in / − out)
- $0
- Non-registered (+ in / − out)
- $0
- Cash (+ in / − out)
- $0
- Income tax
- $0
- OAS repayment
- $0
- Payroll contributions
- $0
- Planned spending
- $0
- Donations
- $0
- Unfunded spending
- $0
- Registered assets
- $0
- TFSA assets
- $0
- Non-registered assets
- $0
- Cash
- $0
Age 60$0after-tax income$0assets
- Work income
- $0
- Employer pensions
- $0
- CPP/QPP
- $0
- OAS
- $0
- GIS estimate
- $0
- RRSP / RRIF (+ in / − out)
- $0
- TFSA (+ in / − out)
- $0
- Non-registered (+ in / − out)
- $0
- Cash (+ in / − out)
- $0
- Income tax
- $0
- OAS repayment
- $0
- Payroll contributions
- $0
- Planned spending
- $0
- Donations
- $0
- Unfunded spending
- $0
- Registered assets
- $0
- TFSA assets
- $0
- Non-registered assets
- $0
- Cash
- $0
Age 65You retire$0after-tax income$0assets
- Work income
- $0
- Employer pensions
- $0
- CPP/QPP
- $0
- OAS
- $0
- GIS estimate
- $0
- RRSP / RRIF (+ in / − out)
- $0
- TFSA (+ in / − out)
- $0
- Non-registered (+ in / − out)
- $0
- Cash (+ in / − out)
- $0
- Income tax
- $0
- OAS repayment
- $0
- Payroll contributions
- $0
- Planned spending
- $0
- Donations
- $0
- Unfunded spending
- $0
- Registered assets
- $0
- TFSA assets
- $0
- Non-registered assets
- $0
- Cash
- $0
Age 70CPP startsOAS starts$13,055after-tax income$13,055assets
- Work income
- $0
- Employer pensions
- $0
- CPP/QPP
- $0
- OAS
- $6,222
- GIS estimate
- $6,833
- RRSP / RRIF (+ in / − out)
- $0
- TFSA (+ in / − out)
- +$13,055
- Non-registered (+ in / − out)
- $0
- Cash (+ in / − out)
- $0
- Income tax
- $0
- OAS repayment
- $0
- Payroll contributions
- $0
- Planned spending
- $0
- Donations
- $0
- Unfunded spending
- $0
- Registered assets
- $0
- TFSA assets
- $13,055
- Non-registered assets
- $0
- Cash
- $0
Age 75$27,355after-tax income$151,540assets
- Work income
- $0
- Employer pensions
- $0
- CPP/QPP
- $0
- OAS
- $13,688
- GIS estimate
- $13,667
- RRSP / RRIF (+ in / − out)
- $0
- TFSA (+ in / − out)
- +$22,501
- Non-registered (+ in / − out)
- +$4,854
- Cash (+ in / − out)
- $0
- Income tax
- $0
- OAS repayment
- $0
- Payroll contributions
- $0
- Planned spending
- $0
- Donations
- $0
- Unfunded spending
- $0
- Registered assets
- $0
- TFSA assets
- $146,686
- Non-registered assets
- $4,854
- Cash
- $0
Age 80$27,355after-tax income$309,670assets
- Work income
- $0
- Employer pensions
- $0
- CPP/QPP
- $0
- OAS
- $13,688
- GIS estimate
- $13,667
- RRSP / RRIF (+ in / − out)
- $0
- TFSA (+ in / − out)
- +$7,000
- Non-registered (+ in / − out)
- +$20,355
- Cash (+ in / − out)
- $0
- Income tax
- $0
- OAS repayment
- $0
- Payroll contributions
- $0
- Planned spending
- $0
- Donations
- $0
- Unfunded spending
- $0
- Registered assets
- $0
- TFSA assets
- $198,382
- Non-registered assets
- $111,288
- Cash
- $0
Age 85$27,355after-tax income$484,259assets
- Work income
- $0
- Employer pensions
- $0
- CPP/QPP
- $0
- OAS
- $13,688
- GIS estimate
- $13,667
- RRSP / RRIF (+ in / − out)
- $0
- TFSA (+ in / − out)
- +$7,000
- Non-registered (+ in / − out)
- +$20,355
- Cash (+ in / − out)
- $0
- Income tax
- $0
- OAS repayment
- $0
- Payroll contributions
- $0
- Planned spending
- $0
- Donations
- $0
- Unfunded spending
- $0
- Registered assets
- $0
- TFSA assets
- $255,458
- Non-registered assets
- $228,801
- Cash
- $0
Age 90$27,355after-tax income$677,018assets
- Work income
- $0
- Employer pensions
- $0
- CPP/QPP
- $0
- OAS
- $13,688
- GIS estimate
- $13,667
- RRSP / RRIF (+ in / − out)
- $0
- TFSA (+ in / − out)
- +$7,000
- Non-registered (+ in / − out)
- +$20,355
- Cash (+ in / − out)
- $0
- Income tax
- $0
- OAS repayment
- $0
- Payroll contributions
- $0
- Planned spending
- $0
- Donations
- $0
- Unfunded spending
- $0
- Registered assets
- $0
- TFSA assets
- $318,475
- Non-registered assets
- $358,544
- Cash
- $0
Age 94Final projection year$27,355after-tax income$845,574assets
- Work income
- $0
- Employer pensions
- $0
- CPP/QPP
- $0
- OAS
- $13,688
- GIS estimate
- $13,667
- RRSP / RRIF (+ in / − out)
- $0
- TFSA (+ in / − out)
- +$7,000
- Non-registered (+ in / − out)
- +$20,355
- Cash (+ in / − out)
- $0
- Income tax
- $0
- OAS repayment
- $0
- Payroll contributions
- $0
- Planned spending
- $0
- Donations
- $0
- Unfunded spending
- $0
- Registered assets
- $0
- TFSA assets
- $373,578
- Non-registered assets
- $471,995
- Cash
- $0
| Age and milestones | Work | Pensions | CPP/QPP | OAS | GIS est. | RRSP/RRIF + in / − out | TFSA + in / − out | Non-reg. + in / − out | Cash + in / − out | Realized capital gain | Income tax | OAS repayment | Payroll contributions | After tax | Planned spending | Donations | Unfunded spending | RRSP/RRIF balance | TFSA balance | Cash balance | Total assets |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 55 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 60 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 65You retire | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 70CPP startsOAS starts | $0 | $0 | $0 | $6K | $7K | $0 | +$13K | $0 | $0 | $0 | $0 | $0 | $0 | $13K | $0 | $0 | $0 | $0 | $13K | $0 | $13K |
| 75 | $0 | $0 | $0 | $14K | $14K | $0 | +$23K | +$5K | $0 | $0 | $0 | $0 | $0 | $27K | $0 | $0 | $0 | $0 | $147K | $0 | $152K |
| 80 | $0 | $0 | $0 | $14K | $14K | $0 | +$7K | +$20K | $0 | $0 | $0 | $0 | $0 | $27K | $0 | $0 | $0 | $0 | $198K | $0 | $310K |
| 85 | $0 | $0 | $0 | $14K | $14K | $0 | +$7K | +$20K | $0 | $0 | $0 | $0 | $0 | $27K | $0 | $0 | $0 | $0 | $255K | $0 | $484K |
| 90 | $0 | $0 | $0 | $14K | $14K | $0 | +$7K | +$20K | $0 | $0 | $0 | $0 | $0 | $27K | $0 | $0 | $0 | $0 | $318K | $0 | $677K |
| 94Final projection year | $0 | $0 | $0 | $14K | $14K | $0 | +$7K | +$20K | $0 | $0 | $0 | $0 | $0 | $27K | $0 | $0 | $0 | $0 | $374K | $0 | $846K |
Using 2026 Canadian rules · Last reviewed October 24, 2026