Your Current Portfolio
Enter your current investment account balances in Canadian dollars
$
Capital gains tax applies
$
Fully taxable on withdrawal
$
Tax-free withdrawals
Total Portfolio Value
$1,200,000
Unregistered
67%
RRSP
25%
TFSA
8%
Retirement Timeline
When do you plan to retire and how long should your money last?
Your age today
When you'll start withdrawing
Plan to this age
Years to retirement
10
Retirement duration
50
Total years
60
Income Strategy
How much do you need and how should withdrawals adapt to markets?
$
In today's dollars (inflation-adjusted)
⚖️
Strategy Comparison Mode
We'll compare all three withdrawal strategies to help you make an informed decision
💵 Fixed Dollar
Withdraw the same inflation-adjusted amount each year. Most predictable income.
📊 Fixed Percentage
Withdraw a fixed % of current portfolio. Income varies with market performance.
🎯 Guardrails
Dynamic withdrawals that adjust when portfolio hits upper/lower thresholds.
⚙️
Advanced Strategy Parameters
Fine-tune parameters for each strategy type:
%
For percentage strategy
%
Trigger threshold
Emergency buffer (months)
Government Benefits
Expected CPP/QPP and OAS benefits
$
Max 2024: $1,364 at age 65
60-70 (adjusted for early/late)
$
Max 2024: $713 (clawback at ~$90k)
⚙️
Advanced Settings
%
Nominal annual return
%
Standard deviation
%
Long-term expectation
%
After inflation
For tax calculations
%
% of unregistered that's gains
%
Marginal rate for RRSP
$
Until retirement
More = more accurate