Recent Calculations
Do you know what it may take to create a secure retirement? Use this calculator to help you create a simple retirement plan. Consulte el saldo de sus ahorros para la jubilación y sus retiradas de cada año hasta el final de su jubilación.
Su edad actual.
Age you wish to retire. Esta calculadora asume que, en el año en que se jubile, no realizará ninguna contribución a sus ahorros para la jubilación. For example, if you retire at age 65, your last contribution occurs when you are actually 64. Esta calculadora también asume que realiza toda su contribución al final de cada año.
Ingresos totales de su hogar. Si está casado, debe incluir los ingresos de su cónyuge.
Cantidad total que actualmente tiene ahorrada para su jubilación. Include all sources of retirement savings except for your pension income.
The annual percent you expect to earn on your investments before you retire. The actual rate of return is largely dependent on the type of investments you select. For example, the total return including dividends of the S&P/TSX Composite Index for the 10 year period ending December 31, 2025 was 12.5% (source www.spglobal.com). Savings accounts at a bank or credit union may pay as little as 2% or less. It is important to remember that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido.
The annual percent you expect to earn on your investments after you retire. If you plan on withdrawing your money within five years, you may wish to choose a more conservative rate of return. The actual rate of return is largely dependent on the type of investments you select. For example, the total return including dividends of the S&P/TSX Composite Index for the 10 year period ending December 31, 2025 was 12.5% (source www.spglobal.com). Savings accounts at a bank or credit union may pay as little as 2% or less. It is important to remember that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido.
The percentage of your annual income you will save for your retirement goals.
Aumento porcentual anual que espera en los ingresos de su hogar.
Número total de años durante los cuales espera utilizar sus ingresos de jubilación.
The percent of your working year's household income before tax you think you will need to have in retirement. This amount is based on your income earned during the last year you will work. Puede ajustar esta cantidad para que sea tan baja como el 0 % y tan alta como el 150 %.
This is your current monthly figure as provided by your employer on your pension statement, if you have a "defined benefit" pension. By checking the 'Monthly Company Pension adjusted for inflation' box, the inflation rate will automatically be applied. This means you do not have to estimate what your monthly pension will be at retirement.
The CPP/QPP ensures a basic income for retired workers. If you have paid into the CPP/QPP, you are entitled to receive a monthly pension payment as early as age 60 or as late as age 70. CPP/QPP is based on how much, and for how long, you contributed to the plan and the age at which you choose to start your Canada/Quebec pension payments. Should you choose to start your Canada/Quebec pension payments earlier than age 65, your monthly CPP payment will be reduced by 0.6% per month for every month before 65. If you choose to delay retirement, your monthly CPP payment will be increased by 0.7% per month for every month after age 65 up to age 70. Click here for more information.
This government sponsored financial planning program allows Canadian residents to contribute 18% of their previous years earned income (up to a specified limit) into a tax sheltered retirement account. Please note however, that this calculator allows you to save more than 18% of your earned income up to an annual maximum contribution limit. In addition, if you have a company pension plan this may reduce your maximum annual contributions by what is called a 'pension adjustment'.
The Old Age Security pension is a monthly benefit available, if applied for, to most Canadians 65 years of age or over who have lived in Canada for at least 10 years after reaching age 18. If your net income exceeds certain thresholds you must repay part or all of the maximum pension amount. The repayment amounts are normally deducted from the monthly payments before they are issued. Click here for more information.
What you expect for the average long term inflation rate.