Data Input & Goal Setting

1. Household Type & Estate Goal

Household Type

Estate Target Amt ($)

Annual Inflation (%)

2. Age & Government / Corporate Pensions

👤 Primary

Current Age

Retire Age

Life Expectancy

CPP Years

Avg Pay (%)

CPP Start Age

OAS Years

OAS Start Age

Monthly DB Pen ($)

👤 Spouse

Current Age

Retire Age

Life Expectancy

CPP Years

Avg Pay (%)

CPP Start Age

OAS Years

OAS Start Age

Monthly DB Pen ($)

Calculating estimated real-time pension...

💡 Government Pension Input Guide
• CPP Years / Pay (%): Contribution years between age 18-65 (Max 39 yrs) and your average income ratio relative to the YMPE limit (100% if maximized).
• OAS Residence Years: Years lived in Canada after age 18 (100% payout at 40 years).
🔗 Official CPP Info | 🔗 Official OAS Info

3. Real Estate & Debt (Combined)

Home Apprec. (%)

Reverse Mtg Rate (%)

🏠 Primary Residence

Current Value ($)

Current Mortgage ($)

Monthly Rent ($)

Mtg at Retirement ($)

4. Financial Assets & Drawdown Options

* CRA mandatory RRIF minimum withdrawals apply from age 72.

Post-Retirement Income & Asset Projection (PV)

💡 Swipe or scroll the table horizontally to view more details.

Primary Age	Spouse Age	Combined Household Cash Flow & Taxes (PV)									Primary's Asset Balances (PV)			Spouse's Asset Balances (PV)			Real Estate Net Worth (Value-Debt)
Primary Age	Spouse Age	Gross Annual Income	[-] Combined Tax/Clawback	✨Net Monthly Cash Flow	Net Rent Income	Comb. CPP +OAS+DB	Comb. TFSA Withdrawals	Reverse Mtg Received	Comb. RRSP Withdrawals	Comb. Non-Reg Withdrawals	RRSP	TFSA	Non-Reg	RRSP	TFSA	Non-Reg	Primary Home Net Value	Comb. Inv. Prop Value
Click 'Calculate & View Results' to see the projection.

Rules and figures last checked against official sources (CRA, CMHC, BC government) on 2026-10-25. Results are estimates for reference only; actual approval terms vary by lender.

Retirement Financial Planning Simulator

Data Input & Goal Setting

👤 Primary

👤 Spouse

Post-Retirement Income & Asset Projection (PV)

Need help reading the numbers?