A CLEARER VIEW OF RETIREMENT

Will your savings
support your plans?

Bring your income, savings and spending together. See a year-by-year projection and compare one change, using the Glacier planning engine.

Free calculationNo account neededCanadian tax & benefits

Your household

Example amounts are filled in. Replace them with yours.

Plan nameProvince or territoryPeople in this planAnnual household spending, after tax ($)

Spending is in 2026 dollars, excluding savings contributions. All amounts are Canadian dollars.

Your details

Use a label instead of a legal name.

Name or labelBirth dateRetirement ageAnnual employment income, before tax ($)

Government benefits

Use a starting CPP/QPP estimate: 60% of the maximum at 65

Annual CPP/QPP at 65 from your statement ($)CPP/QPP start ageCanadian residence years after age 18OAS start age

Savings today

RRSP ($)RRIF ($)TFSA ($)Non-registered investments ($)Non-registered adjusted cost basis ($)Cash ($)

Contribution room & defined-benefit pension

Unused TFSA room ($)Unused RRSP room ($)

Include a defined-benefit pension

Compare one change

See how retiring at a different age or changing spending affects the result.

Include an alternative

Alternative nameAlex: alternative retirement ageAlternative annual household spending ($)

The assumptions matter

Annual invested return, nominal (%)Annual inflation (%)

Constant annual returns are assumptions, not forecasts. Cash earns 2%. Invested accounts use 40% fixed income and 60% equity for tax treatment. This first projection includes income, pensions, tax and registered or non-registered savings, with the final year and ages shown in the results. It excludes property, debts, corporations, children, LIRA/LIF and planned extra contributions. GIS, Allowance and refundable benefit payments (including Ontario GAINS and Trillium) are not included. Missing benefits can make a projected shortfall look larger; review eligibility and payment history before changing spending. OAS entitlement and CPP/QPP estimates need to be checked against your records.

I have reviewed this scope, the return and inflation assumptions, and any CPP/QPP estimate I selected.

Your inputs are sent securely for calculation. A device draft is saved only when you choose Save.