Assumptions

Inspired by your spreadsheet layout, rebuilt as an interactive Canadian retirement planning form (NL is the default province).

Step-by-step mode with plain-language guidance.

Step 1 of 5

You today

Start with a few basics about where you are right now.

Assumption indicators

Conservative estimate

Balanced / typical range

Aggressive estimate (caution)

Reference / strategy-dependent input

Profile & timeline

Planner title C/A Province / territory for tax estimate C/A Year of birth C/A Current year C/A Retirement age C↑ A↓ Life expectancy C↑ A↓

Savings & contributions

Current savings ($) C↑ A↓ Annual contribution ($) C↑ A↓ Contribution increase (%/yr) C↑ A↓ Inflation (%/yr) C↑ A↓

Returns & retirement target

Risk profile C/A Pre-retirement return (%/yr) C↓ A↑ Retirement return (%/yr) C↓ A↑ Desired retirement spending ($/yr today, after tax) C↑ A↓ Return volatility (%/yr, scenarios) C/A Scenario method C/A

Pensions & government benefits

Private pension name C/A Private pension ($/yr) C↑ A↓ Private pension start age C/A Private pension increase (%/yr) C↑ A↓ Include spouse pensions / benefits C/A Spouse private pension name C/A Spouse private pension ($/yr) C↑ A↓ Spouse private pension start age C/A Spouse private pension increase (%/yr) C↑ A↓ CPP at 65 ($/yr) C↓ A↑ CPP start age C/A OAS at 65 ($/yr) C↓ A↑ OAS start age C/A Spouse CPP at 65 ($/yr) C↓ A↑ Spouse CPP start age C/A Spouse OAS at 65 ($/yr) C↓ A↑ Spouse OAS start age C/A Estimate OAS clawback C/A OAS clawback threshold (per recipient $/yr) C/A OAS clawback rate (%) C/A

Tax-smart withdrawal inputs (optional)

RRSP / RRIF balance ($) C/A TFSA balance ($) C/A Non-registered balance ($) C/A New contributions to RRSP (%) C/A New contributions to TFSA (%) C/A Withdrawal strategy (comparison) C/A Stress test mode C/A Escalate tax brackets with inflation C/A

Forecast Results

Estimated balances, income coverage, and drawdown timing based on your inputs.

Outcome Summary

Quick answers for non-experts using your current assumptions.

Scenario View (Best / Base / Worst)

Deterministic scenarios use expected return +/- a spread (documented in this table).

Scenario	Return / Inflation	Balance @ Retire	Balance @ 65	Balance @ 90	Depletion	Peak shortfall

Stress Test Mode

Fast matrix of outcome summaries across return and inflation combinations.

Legend: Green = funded, Yellow = tight margin, Red = depletion/shortfall. i

Returns / Inflation	2.0%	3.0%

Year 1 Retirement Income Breakdown

Estimated sources and taxes for your first retirement year (target is after-tax spending).

2026 Effective Tax Rate (Province Estimate)

Uses 2026 official federal + selected province/territory thresholds/rates (planning estimate, not filing).

Income	Federal Tax	Provincial Tax	Total Tax	Effective Rate

Pension Estimate Scenarios

Projected government benefit totals by pension start age (private pension shown separately).

Age	CPP / yr	OAS / yr	Total / yr

Selected Income Timing

Government benefits plus private pension values used in the forecast.

Tax-Smart Withdrawal Order (Guidance)

Planning guidance only, not tax advice. Uses a heuristic based on your estimated income, province, and OAS clawback settings.

Suggested Next Steps

Data-driven ideas based on your current assumptions and forecast results.

Savings and Retirement Cash Flow Forecast

Blue area shows projected savings balance; dark line shows annual retirement spending target (after tax, inflation-adjusted).

Chart legend

Savings balance Uncertainty band (illustrative range) Spending target (after tax) Pensions and benefits income

Planning Notes

Editable notes area for assumptions, tax strategy reminders, and next questions for your advisor.

Canadian Retirement Planner (NL Default)

Built for Canadian retirement planning with CPP, OAS, private pensions, spouse benefits, and tax-aware retirement withdrawal estimates.

The default province is Newfoundland and Labrador (NL) for tax estimates. You can switch provinces or territories in the assumptions panel to compare retirement planning outcomes across Canada.

Official References

CRA sources used for 2026 federal and provincial/territorial payroll tax rate thresholds in this planning estimate.

Quebec provincial income tax is administered separately by Revenu Québec; this tool uses Revenu Québec 2026 rate thresholds for Quebec and CRA sources for federal + other provinces/territories.

Retirement Plan Title

Planner Snapshot