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THE INTERACTIVE LEARNING COLLECTION

Retirement Ready

Explore a Canadian retirement savings scenario.

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FREE · NO ACCOUNT NEEDEDILLUSTRATIVE · NO GUARANTEED OUTCOMES

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Try hypothetical amounts. Inputs stay in this page until you choose to save. Never enter account numbers or personal documents.

ILLUSTRATIVE ASSETS AT RETIREMENT

$275,982
Contributions, including starting assets$136,000
Illustrative growth after fees$139,982
0137.99K275.98KYear 0Year 35
━ Current scenario

At age 65 · 35 years · 4% hypothetical growth · 0.5% annual fees.

Understand these numbers

Contributions arrive at month-end. Effective monthly growth and monthly fees follow the annual assumptions entered. Returns stay constant in this illustration; actual markets fluctuate and can lose value. Taxes and transaction costs are excluded. A delayed start holds the initial cash unchanged until that start, with no contributions or growth.

$25,000Age 34
$100,000Age 47
$250,000Age 63
$500,000Not reached
$1,000,000Not reached

Milestones use year-end balances; they are not targets or predictions.

What could that represent over 30 years?

Pro adds an inflation-adjusted withdrawal illustration and duration comparisons.

The withdrawal illustration deliberately exhausts the modelled assets over the selected duration. It is not a safe withdrawal rate or an assessment of readiness. It excludes taxes, CPP/QPP, OAS/GIS, workplace pensions and required RRIF withdrawals. Constant returns hide sequence-of-returns risk.

Year-by-year values
AgeContributionsFuture value
30$10,000.00$10,000.00
31$13,600.00$14,005.07
32$17,200.00$18,149.51
33$20,800.00$22,438.18
34$24,400.00$26,876.09
35$28,000.00$31,468.44
36$31,600.00$36,220.61
37$35,200.00$41,138.15
38$38,800.00$46,226.83
39$42,400.00$51,492.58
40$46,000.00$56,941.59
41$49,600.00$62,580.22
42$53,200.00$68,415.08
43$56,800.00$74,452.99
44$60,400.00$80,701.02
45$64,000.00$87,166.48
46$67,600.00$93,856.94
47$71,200.00$100,780.23
48$74,800.00$107,944.44
49$78,400.00$115,357.98
50$82,000.00$123,029.50
51$85,600.00$130,967.99
52$89,200.00$139,182.74
53$92,800.00$147,683.37
54$96,400.00$156,479.81
55$100,000.00$165,582.38
56$103,600.00$175,001.71
57$107,200.00$184,748.83
58$110,800.00$194,835.16
59$114,400.00$205,272.49
60$118,000.00$216,073.04
61$121,600.00$227,249.44
62$125,200.00$238,814.79
63$128,800.00$250,782.61
64$132,400.00$263,166.91
65$136,000.00$275,982.18

Year-by-year values

AgeContributionsFuture value
30$10,000.00$10,000.00
31$13,600.00$14,005.07
32$17,200.00$18,149.51
33$20,800.00$22,438.18
34$24,400.00$26,876.09
35$28,000.00$31,468.44
36$31,600.00$36,220.61
37$35,200.00$41,138.15
38$38,800.00$46,226.83
39$42,400.00$51,492.58
40$46,000.00$56,941.59
41$49,600.00$62,580.22
42$53,200.00$68,415.08
43$56,800.00$74,452.99
44$60,400.00$80,701.02
45$64,000.00$87,166.48
46$67,600.00$93,856.94
47$71,200.00$100,780.23
48$74,800.00$107,944.44
49$78,400.00$115,357.98
50$82,000.00$123,029.50
51$85,600.00$130,967.99
52$89,200.00$139,182.74
53$92,800.00$147,683.37
54$96,400.00$156,479.81
55$100,000.00$165,582.38
56$103,600.00$175,001.71
57$107,200.00$184,748.83
58$110,800.00$194,835.16
59$114,400.00$205,272.49
60$118,000.00$216,073.04
61$121,600.00$227,249.44
62$125,200.00$238,814.79
63$128,800.00$250,782.61
64$132,400.00$263,166.91
65$136,000.00$275,982.18

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Canadian retirement income has several parts

CPP/QPP reflects contributions and the age benefits begin. OAS is a separate program with residence and income considerations. Workplace pensions depend on the plan. RRSPs, RRIFs and TFSAs have different tax and withdrawal rules. This simulator models only the assets and contributions entered; it does not estimate government benefits or eligibility.

Government of Canada: retirement income sources →

Reviewed September 19, 2026.

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For educational purposes only. Not financial, investment, tax or legal advice. Hypothetical results depend on the assumptions entered and are not recommendations, approvals, guarantees or predictions. Results exclude circumstances and costs not entered.