Retirement Scenario Calculator

Estimate how savings, contributions, inflation, retirement income, and return assumptions may affect a long-term retirement scenario.

Personal profile

Country

Current age

Retirement age

Life expectancy

Currency

Current annual income

Desired monthly retirement income in today's dollars

Current savings

Canada RRSP / Group RRSP

Canada TFSA

Canada FHSA

Canada Non-registered brokerage

Canada Employer pension / DCPP

U.S. 401(k) / 403(b) / 457

U.S. Traditional IRA

U.S. Roth IRA

U.S. Roth 401(k)

U.S. HSA

U.S. Taxable brokerage

Both Other retirement savings

Contributions

Canada Monthly RRSP contribution

Canada Monthly TFSA contribution

Canada Monthly non-registered contribution

U.S. Monthly 401(k) contribution

U.S. Employer 401(k) match amount or %

Match type Match value

U.S. Monthly IRA contribution

U.S. Monthly Roth IRA contribution

U.S. Monthly taxable brokerage contribution

Both Monthly other contribution

One-time contribution

One-time contribution year

Annual contribution increase %

Adjust annual contribution increase with slider

Growth, inflation, and withdrawals

Annual growth before retirement %

Adjust annual growth before retirement with slider

Annual growth after retirement %

Adjust annual growth after retirement with slider

Inflation rate %

Adjust inflation rate with slider

Withdrawal rate %

Adjust withdrawal rate with slider

Retirement income sources

Canada CPP estimate

Canada OAS estimate

Canada Employer pension estimate

U.S. Social Security estimate

U.S. Pension estimate

Both Rental income

Both Business income

Both Other income

Scenario Output

Key estimates

Accumulation path

Balance components

Retirement drawdown

Yearly projection table

Review the annual projection below, or download the full projection as a CSV file.

Age	Year	Starting balance	Annual contribution	Estimated growth	Ending balance	Inflation-adjusted balance

Reference panel

Canada examples

RRSP, TFSA, FHSA, non-registered accounts.
CPP, OAS, and employer pension estimates.

U.S. examples

401(k), 403(b), 457, IRA, Roth IRA, Roth 401(k), HSA, and taxable brokerage accounts.
Social Security and pension estimates.

Contribution limits, tax rules, benefit rules, and eligibility can change. Users must verify their own room, limits, eligibility, and plan rules before relying on any scenario inputs.

For financial education and market research only. This calculator is not financial planning, investment advice, tax advice, legal advice, or a recommendation. Results are estimates based on user-provided assumptions and may not reflect taxes, fees, contribution limits, government benefits, employer-plan rules, market volatility, sequence-of-returns risk, currency conversion, or personal circumstances.