Calculators

What can your savings actually support?

Enter what you've saved and a spending number to test. This runs the full Canadian tax and benefit model — federal and provincial brackets, CPP, OAS (including the clawback), and RRIF minimums — for one year at a time, right in your browser, so the answer is a real number, not a rule of thumb.

It assumes you're retiring today at the age you enter, with the balances you enter, and checks whether that spending level holds without running out before your plan-through age. Adjust the spending number and recalculate to find where it stops working.

This is a quick, single-scenario check. For a full plan — a working-years accumulation phase, a second person, one-time events, tax-efficient withdrawal ordering, and an after-tax estate projection — build your full plan, free.