Your Information

Province / Territory

Current Age

Planned Retirement Age

Employment Income $ Annual, before tax

Annual Savings Amount $ After-tax dollars available to invest

Expected Annual Return % Real (after inflation)

Retirement Income

Monthly CPP at Age 65 $ Your estimate

Monthly OAS at Age 65 $ Max 2025: $727/mo

Other Retirement Income $ Pension, rental, etc. (annual)

CPP Start Age 60–70. Optimizer will also test 65 and 70.

OAS Start Age 65–70. Optimizer will also test 70.

Expected Age at Death Used for estate tax projection · FP Canada life expectancy

Family & Tax

Married / common-law

Spouse Retirement Income Annual $

Number of Children Under 18

Advanced Options

Base Case: Account Strategy The optimizer tests all three — this sets your base case for comparison.

Base Case: Withdrawal Strategy

Meltdown Target Age Deplete RRSP by this age

Meltdown Tax Target Target combined marginal tax rate

Expected Annual Expenses optional $ In retirement, today's dollars

TFSA Room Cap optional $ Limits refund invested in TFSA

Disability Tax Credit

Your Results

wins

Optimal strategy Your inputs

RRSP at retirement

TFSA at retirement

Working → RRIF rate

→

Consumed in retirement

RRSP at death

TFSA at death

Non-reg at death

Why this wins

Account Balances Over Time

Annual Retirement Income & Taxes

First 20 years shown — Income by source

Factor Breakdown

Factor	Impact	Advantage

Strategy Comparison

All strategies tested by the optimizer, ranked by lifetime after-tax wealth. How is this calculated?

#	Strategy	Lifetime Wealth	vs Your Inputs
1st 2nd 3rd	your inputs		—

Tested unique strategy combinations. Lifetime after-tax wealth = after-tax withdrawals + estate value + CCB invested.

Optimization Insights

Year-by-Year Detail

Accumulation (Working Years)

Age	Income	RRSP Contrib.	TFSA Contrib.	RRSP Balance	TFSA Balance	Marginal Rate	CCB ∆

Decumulation (Retirement)

Age	RRIF Withdrawal	TFSA Withdrawal	Tax on RRIF	OAS Clawback	GIS	CPP	OAS	Non-reg Withdrawal	Consumed	RRSP Balance	TFSA Balance	Non-reg Balance

Important Disclaimer

RRSP vs TFSA Calculator