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Retirement Income Planner (Canada)

↻ Updated 2026

Project your registered savings to retirement, then see how long they last once you start drawing your desired income — after CPP and OAS. Everything runs in your browser.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs
Current age
Retirement age
Current registered savings
RRSP + TFSA + other
Annual contribution
Expected annual return
Desired annual retirement income
CPP + OAS estimate (annual)
government pensions in retirement
Projected nest egg
$1,302,155
at age 65
Draw from savings
$40,000
income less CPP/OAS
Income lasts
60 yr
to age 125
Savings to retirement6% · 25 yr
age 40age 65
Retirement income plan
Projected nest egg at retirement$1,302,155
Desired annual income$60,000
Less CPP + OAS− $20,000
Annual draw from savings$40,000
Years the nest egg lasts60 years (to age 125)
Covers a ~30-year retirement?Yes
ASSUMPTIONS — Contributions are added at the end of each year and returns compound annually at a constant rate — real markets vary. Your savings grow at the same rate in retirement while you draw $40,000 per year (desired income of $60,000 less $20,000from CPP/OAS), withdrawn at the start of each year. Figures are in today's dollars and ignore inflation, taxes on withdrawals and the OAS clawback. A ~30-year retirement roughly reaches age 95 from 65. This is an estimate, not financial advice.

Runs entirely in your browser — nothing you enter is sent to us.How this works

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RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.