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Retirement Calculator

In only 15 minutes, you can assess whether your retirement plan will allow you to retire comfortably.

Click here to start
 

Retirement Calculator

You can also use the Retirement Calculator for a more precise calculation based on your financial situation.
 
Directions to use the Retirement Calculator:
Choosing a province: select Ontario if you live outside of Quebec; this will ensure that the government benefits are calculated correctly. The remainder of the calculations is not affected by the choice of province.

Expected Return: Choose the option that is most in line with your actual investment portfolio or your risk tolerance.

Desired Retirement Income: Enter the percentage of your actual income that you will require at retirement.
If you are not sure, you can follow these guidelines:
Couple: 50 % to 60 % of your actual working income
Single: 70% of your actual working income

These guidelines assume that you will have eliminated your heftier living expenses at retirement (mortgage, dependents, etc.). If not, enter a higher percentage of your income.

Additional Retirement Income: Do not include Canada Pension Plan or Old Age Security payments. These will be added later in the process.