Retirement Planner
Retirement Planner
Retirement planning is two questions: when can you stop working, and how should you spend down your accounts once you do? This tool connects both sides of that coin.
Start in Accumulation to estimate your FIRE age and portfolio target. Switch toWithdrawal to model drawdown — your FIRE portfolio auto-fills and you set the TFSA / RRSP / non-reg split by percentage. Changes on either tab stay in sync.
Max ~$16.7K/yr. Lower for income under $70K.
FIRE at age 66
$1.1M
FIRE number (after CPP/OAS)
31.8
Years to FIRE
66
FIRE age
Coast FIRE
Coast FIRE number: $150K — achievable around age 39
The portfolio needed today so you could stop contributing and still reach FIRE by 65 through compound growth alone.
Return scenarios
| Return | Years to FIRE | FIRE age |
|---|---|---|
| 4.0% | 50+ | — |
| 7.0% | 31.8 | 66 |
| 10.0% | 23.9 | 58 |
Portfolio vs FIRE target
| Period | Portfolio | FIRE target |
|---|---|---|
| Age 35 | $100K | $1.5M |
| Age 36 | $126K | $1.5M |
| Age 37 | $153K | $1.6M |
| Age 38 | $182K | $1.6M |
| Age 39 | $213K | $1.7M |
| Age 40 | $247K | $1.7M |
| Age 41 | $282K | $1.7M |
| Age 42 | $321K | $1.8M |
| Age 43 | $362K | $1.8M |
| Age 44 | $405K | $1.9M |
| Age 45 | $452K | $1.9M |
| Age 46 | $502K | $2.0M |
| Age 47 | $556K | $2.0M |
| Age 48 | $613K | $2.1M |
| Age 49 | $674K | $2.1M |
| Age 50 | $740K | $2.2M |
| Age 51 | $810K | $2.2M |
| Age 52 | $885K | $2.3M |
| Age 53 | $965K | $2.3M |
| Age 54 | $1.1M | $2.4M |
| Age 55 | $1.1M | $2.5M |
| Age 56 | $1.2M | $2.5M |
| Age 57 | $1.3M | $2.6M |
| Age 58 | $1.5M | $2.6M |
| Age 59 | $1.6M | $2.7M |
| Age 60 | $1.7M | $2.8M |
| Age 61 | $1.8M | $2.9M |
| Age 62 | $2.0M | $2.9M |
| Age 63 | $2.1M | $3.0M |
| Age 64 | $2.3M | $3.1M |
| Age 65 | $2.5M | $2.7M |
Portfolio growth toward financial independence target. Portfolio ends at $2.5M (Age 65); FIRE target ends at $2.7M (Age 65)
You might also like
FIRE Calculator
Canadian financial independence calculator with CPP/OAS offsets and Coast FIRE.
Withdrawal Strategy Planner
Retirement drawdown sequencing across TFSA, RRSP/RRIF, and non-registered accounts.
OAS Benefits Calculator
Estimate Old Age Security payments and the 15% recovery tax clawback based on net individual income.
These calculators use hypothetical assumptions for illustration only — not a guarantee of future performance or personalized financial advice. Consult a qualified professional before making investment or tax decisions.