1. Retirement Planner
Bring CPP, OAS, monthly spending and account balances into one comparison.
Build my retirement plan Use your confirmed benefit estimates · Inputs save on this deviceTurn savings into retirement income.
Build a practical monthly plan from your portfolio, pensions, work and other income.
This phase may fit if…
You are retired or expect to begin withdrawals soon.
You want to know what you can comfortably spend.
You need to see every source of retirement income together.
You want to understand how long the portfolio may need to last.
Quick Start
2. Income Plan
Test monthly spending, other income and how long the portfolio may need to last.
Build my income plan Educational illustration · Rough estimates are fineWhat matters now
Build your retirement income plan
| Action | Description | Tool |
|---|---|---|
| 1. Confirm CPP and OAS | Use your own age-65 estimates, then compare possible start dates. | Retirement Planner |
| 2. Add your retirement accounts | Keep TFSA, RRSP, RRIF, cash and non-registered balances visible. | Retirement Planner |
| 3. Compare the trade-offs | See the benefit bridge and three educational withdrawal orders. | Retirement Planner |
| 4. Test the monthly income plan | Explore spending, longevity, inflation and an early market decline. | Income Planner |
Questions for this phase
Learn one trade-off at a time.
Understand the income plan
Why can retirement income change over time?
Pensions and benefits may be regular, but portfolio withdrawals depend on spending, markets and how long the money is needed. The Income Planner keeps those sources separate before showing how they work together.
Where do dividends fit?
Dividends can provide cash flow, but they are part of total return and can change. The Income Planner can compare an entered yield with the spending need without counting dividends twice or assuming that a high yield is safer.