Retirement Calculator 🏦
Enter your current lifestyle expenses below and we'll calculate exactly what you need to save each month — starting today — to fully fund your retirement.
For educational purposes only. This calculator provides estimates based on the assumptions you enter. It does not constitute financial advice. Please review our General Disclaimer and consult a qualified financial advisor before making investment decisions.
Your Inputs ✏️
Before you calculate: Sections marked with a red asterisk * — Profile, Growth & Rates, and Tax & Account Type — are required. Default values are pre-filled, but please review and adjust them to match your personal situation before calculating.
👤 Profile*
💰 Current Savings
$
📈 Growth & Rates*
🧾 Tax & Account Type*
Account type
Withdrawals from tax-advantaged accounts (e.g. RRSP) are taxed as ordinary income. Your after-tax expense target is grossed up so you withdraw enough to cover both your lifestyle and the tax bill.
🧮 Your Current Expenses
Ret. = continues in retirement
Inf. = grows with inflation
@ Retire = projected value (editable)
Expense
Amount
M / A
Ret.
Inf.
@ Retire
🏠 Property
Property
—
—
🚗 Transportation
Transport
—
—
🛡️ Insurance
Insurance
—
—
🛒 Daily Living
Daily Living
—
—
✈️ Lifestyle
Lifestyle
—
—
🏥 Health & Wellness
Health
—
—
📦 Other
Other
—
—
Today's Total
All Ret. expenses / yr
$0
At Retirement
Inflation-projected / yr
$0
Results 📊
Fill in your expenses above and click Calculate What I Need to Save to see your plan.