More income now
A larger withdrawal can support more spending early, but asks more of the portfolio and may leave less flexibility later.
Focused decision guide
How much retirement income could my savings support?
Start with the portfolio available at retirement, then compare the income you want with pensions, benefits and other income. The remaining amount shows what savings may need to provide.
Understand the choice
What changes—and what you give up.
More stability
A lower spending target or later retirement may reduce the amount savings need to provide.
A range, not a promise
Market returns do not arrive smoothly. The same starting portfolio can produce different paths and income pressure.
Before comparing
The assumptions that matter most.
- The portfolio available when retirement income begins
- Pensions, CPP, OAS and other income by start age
- The monthly spending target and planning age
- Portfolio return, variability, fees and inflation
Test the question
Use the guide with a planning tool.
The Retirement Income Planner separates pensions and benefits from savings withdrawals and shows a range of modelled outcomes.