RetirementPath

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 spending modeled
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

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
Charitable donations
0% of income, on top of spendingEdit
Review milestone-led annual projections to plan-to age 95

Showing the first and final rows, every fifth year, and all milestone years. Account columns show money saved in (+) or taken out (−). Drag the table left or right to view more columns.

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		WorkPensionsCPP/QPPOASGIS
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		DonationsUnfunded
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