Stage 3 · Modeled results

Explore retirement at age 65.

This fast starting scenario uses the retirement age and annual savings split from your inputs.

No retirement spending modeled

Starting scenario

No retirement spending requirement is modeled.

Ending after-tax assets: $831,842

Modeled lifetime resources$831,842Work income + retirement spending funded + estimated ending after-tax assets

Income and account balances

After-tax income, spending, and household assets

No spending target

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

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
Registered withdrawals: $0
TFSA withdrawals: $0
Non-registered withdrawals: $0
Cash withdrawals: $0
Income tax: $0
OAS repayment: $0
Payroll contributions: $0
Planned 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
Registered withdrawals: $0
TFSA withdrawals: $0
Non-registered withdrawals: $0
Cash withdrawals: $0
Income tax: $0
OAS repayment: $0
Payroll contributions: $0
Planned 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
Registered withdrawals: $0
TFSA withdrawals: $0
Non-registered withdrawals: $0
Cash withdrawals: $0
Income tax: $0
OAS repayment: $0
Payroll contributions: $0
Planned spending: $0
Registered assets: $0
TFSA assets: $0
Non-registered assets: $0
Cash: $0

Age 70CPP startsOAS starts$25,750after-tax income$25,750assets

Work income: $0
Employer pensions: $0
CPP/QPP: $0
OAS: $12,272
GIS estimate: $13,478
Registered withdrawals: $0
TFSA withdrawals: $0
Non-registered withdrawals: $0
Cash withdrawals: $0
Income tax: $0
OAS repayment: $0
Payroll contributions: $0
Planned spending: $0
Registered assets: $0
TFSA assets: $25,750
Non-registered assets: $0
Cash: $0

Age 75$26,977after-tax income$163,663assets

Work income: $0
Employer pensions: $0
CPP/QPP: $0
OAS: $13,499
GIS estimate: $13,478
Registered withdrawals: $0
TFSA withdrawals: $0
Non-registered withdrawals: $0
Cash withdrawals: $0
Income tax: $0
OAS repayment: $0
Payroll contributions: $0
Planned spending: $0
Registered assets: $0
TFSA assets: $147,934
Non-registered assets: $15,728
Cash: $0

Age 80$26,977after-tax income$321,088assets

Work income: $0
Employer pensions: $0
CPP/QPP: $0
OAS: $13,499
GIS estimate: $13,478
Registered withdrawals: $0
TFSA withdrawals: $0
Non-registered withdrawals: $0
Cash withdrawals: $0
Income tax: $0
OAS repayment: $0
Payroll contributions: $0
Planned spending: $0
Registered assets: $0
TFSA assets: $199,760
Non-registered assets: $121,329
Cash: $0

Age 85$26,977after-tax income$494,899assets

Work income: $0
Employer pensions: $0
CPP/QPP: $0
OAS: $13,499
GIS estimate: $13,478
Registered withdrawals: $0
TFSA withdrawals: $0
Non-registered withdrawals: $0
Cash withdrawals: $0
Income tax: $0
OAS repayment: $0
Payroll contributions: $0
Planned spending: $0
Registered assets: $0
TFSA assets: $256,979
Non-registered assets: $237,920
Cash: $0

Age 90$26,977after-tax income$686,800assets

Work income: $0
Employer pensions: $0
CPP/QPP: $0
OAS: $13,499
GIS estimate: $13,478
Registered withdrawals: $0
TFSA withdrawals: $0
Non-registered withdrawals: $0
Cash withdrawals: $0
Income tax: $0
OAS repayment: $0
Payroll contributions: $0
Planned spending: $0
Registered assets: $0
TFSA assets: $320,154
Non-registered assets: $366,646
Cash: $0

Age 94Final projection year$26,977after-tax income$854,604assets

Work income: $0
Employer pensions: $0
CPP/QPP: $0
OAS: $13,499
GIS estimate: $13,478
Registered withdrawals: $0
TFSA withdrawals: $0
Non-registered withdrawals: $0
Cash withdrawals: $0
Income tax: $0
OAS repayment: $0
Payroll contributions: $0
Planned spending: $0
Registered assets: $0
TFSA assets: $375,396
Non-registered assets: $479,208
Cash: $0

Age and milestones	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	Planned spending	RRSP/RRIF balance	TFSA balance	Total assets
55	$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
65You retire	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
70CPP startsOAS starts	$0	$0	$0	$12K	$13K	$0	$0	$0	$0	$0	$0	$0	$0	$26K	$0	$0	$26K	$26K
75	$0	$0	$0	$13K	$13K	$0	$0	$0	$0	$0	$0	$0	$0	$27K	$0	$0	$148K	$164K
80	$0	$0	$0	$13K	$13K	$0	$0	$0	$0	$0	$0	$0	$0	$27K	$0	$0	$200K	$321K
85	$0	$0	$0	$13K	$13K	$0	$0	$0	$0	$0	$0	$0	$0	$27K	$0	$0	$257K	$495K
90	$0	$0	$0	$13K	$13K	$0	$0	$0	$0	$0	$0	$0	$0	$27K	$0	$0	$320K	$687K
94Final projection year	$0	$0	$0	$13K	$13K	$0	$0	$0	$0	$0	$0	$0	$0	$27K	$0	$0	$375K	$855K

Using 2026 Canadian rules · Last reviewed July 17, 2026