Project growth across two investment accounts with different contribution schedules.
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Total estimated annual retirement income
$0
Estimated after-tax income (Ontario, 2026 rates)
$0
Combined balance at retirement
$0
Investment income only
$0
Total contributed
$0
Your timeline
Investment accounts
Account 1 — group plan
Account 2 — annual lump-sum (RRSP style)
Contributed once a year, before end of February
Retirement income assumptions
Drawdown method
Balance × rate, every year, on a fixed starting balance. Simple, but doesn't model the balance running out or continuing to grow.
Government benefits — CPP + OAS
Optional. Added on top of your investment income starting at retirement age. Both are per-person, in today's dollars.
CPP default is your estimated amount at 65 from My Service Canada Account. OAS default is the 2026 max at 65–74.
This is a simplified projection tool for personal planning. It assumes a constant rate of return, compounds monthly, and does not account for inflation, fees, RRIF minimum withdrawals, or sequence-of-returns risk. The OAS clawback calculation is a simplified estimate based on investment income + CPP + OAS only — it doesn't include other income sources (employment, rental, pensions) that would also count toward net income. The after-tax income estimate uses 2026 federal + Ontario tax brackets and basic personal amounts only — it excludes the age amount and pension income credits (which would lower your real tax bill), the Ontario Health Premium (which would raise it), and assumes all income is fully taxable (some investment income, like TFSA withdrawals, is not). Figures are in today's dollars. Not financial or tax advice — consult a professional for your actual situation.