Directional planning tool
Retirement Readiness Quick Check
Compare a transparent pre-tax savings benchmark with your desired first-year spending. This is a starting point, not Chapter Readiness.
What is included
Investments compound in today's dollars using your explicit real-return assumption. Contributions are added at each year-end. At retirement, the tool combines your entered CPP and pension income with the selected first-year portfolio-withdrawal benchmark.
Important exclusions
This quick check excludes detailed income tax, account sequencing, contribution tax effects, OAS eligibility and recovery tax, partner timing, lifestyle phases, market-path uncertainty, debt, property, care costs and estate goals. It does not test whether the portfolio lasts through retirement and does not reproduce the authenticated interview.
Government of Canada guidance also emphasizes lifestyle, retirement timing and multiple income sources. Review the FCAC retirement-planning guidance and the Canadian Retirement Income Calculator.