RETIREMENT / YOUR NEXT MOVE
Look further. See the assumptions.
Explore retirement contributions, a future starting balance and withdrawal scenarios without treating a constant-return model as a guarantee.
The question behind the numbers.
Retirement planning connects how much you build with how and when you use it. A contribution model and a withdrawal model answer different questions. Neither captures a full personal plan, market sequence risk, taxes or longevity.
Connect today with a future target.
Enter your chosen target, current savings, years and assumed return to solve for a monthly contribution. The target is yours; the calculator does not determine what retirement will cost.
Open Retirement Goal ↗See how a balance is drawn down.
Change the starting balance, monthly withdrawal, return and annual spending increase. The deterministic model caps withdrawals at available funds and shows when depletion occurs within the entered horizon.
Open Retirement Drawdown Scenario ↗Compare account tax assumptions.
The RRSP/TFSA tool compares a specified tax model. Read how contributions, refund treatment and withdrawal taxes are handled. Contribution room, benefits and personal filing circumstances are outside its scope.
Open RRSP vs TFSA Comparison ↗THE NEXT QUESTIONS
A little more clarity.
Does a positive ending balance mean my retirement is funded?
No. A constant return hides the timing of market gains and losses. Taxes, account restrictions, other income, lifespan and changing spending can materially alter the result.
Is a withdrawal percentage guaranteed to last?
No. Dividing annual spending by an entered withdrawal percentage is target arithmetic. It is not evidence that a portfolio can sustain that spending in future markets.
How to read a financial projection ↗
Separate assumptions from forecasts when exploring savings growth, future goals or retirement withdrawals.
Editorial and model context reviewed October 24, 2026. MITEY editorial team.
Primary context: FCAC: saving for retirement ↗. Read each tool’s formula and exclusions; these are educational scenarios.