Retirement Planner Pro

Quick Adjust

Tweak key variables to see instant impacts on your charts.

P1 Retirement Age

456080

P2 Retirement Age

456080

Inflation Rate (%)

1%2.1%8%

Market Return (TFSA/RRSP)

1%6.0%12%

*Updates P1 & P2 TFSA/RRSP rates.

Risk Simulation

Stress Test
(-15% Crash in Yr 1-2)

Single Couple

1. Personal Information

Player 1 (P1)

Date of Birth

-- years old

Retirement Age

Life Expectancy

Player 2 (P2)

Date of Birth

-- years old

Retirement Age

Life Expectancy

2. Portfolio Assets

Advanced Mode

Player 1 Assets & Returns

Account

Balance ($)

Return (%)

Cash

TFSA

RRSP

Non-Reg

Crypto

Player 2 Assets & Returns

Account

Balance ($)

Return (%)

Cash

TFSA

RRSP

Non-Reg

Crypto

3. Real Estate & Mortgage

4. Income & Taxation

Province of Residence

Source: CRA 2026

Player 1 Income

Gross Annual Income

Growth

Player 2 Income

Gross Annual Income

Growth

Enable P1 Post-Retirement Income

Enable P2 Post-Retirement Income

Post-Retirement Income Details

Total Household (Gross)

Total Household (Net)

5. Living Expenses

Advanced Mode

6. Other Liabilities

7. Windfalls & Inheritance

Track one-time inheritances, large bonuses, or sale of assets here.

8. Government Benefits (CPP / OAS)

Player 1 Optimization

CPP Start

OAS Start

Defined Benefit (DB) Pension

$/mo

Starts at Age: 60

Player 2 Optimization

CPP Start

OAS Start

Defined Benefit (DB) Pension

$/mo

Starts at Age: 60

9. Economic Assumptions

Inflation Rate

BoC Target: 2%

Accumulation Strategy (Surplus)

Drag to prioritize where surplus cash is saved. Top items fill first.

Exceptions

P1: Skip 1st Year TFSA Contrib.

P1: Skip 1st Year RRSP Contrib.

P2: Skip 1st Year TFSA Contrib.

P2: Skip 1st Year RRSP Contrib.

Decumulation Strategy (Deficit)

Drag to prioritize withdrawal sources during retirement/deficits.

Timeline:

2026

(Age: --)

Save Current State

Scenario Name

Saves all inputs, expenses, and debt configurations.

Advanced File Options

Load Saved Scenarios

Comparison Controls

Check scenarios to compare. Chart updates automatically on toggle.

Retirement Planner