Two ways to retire. One clear view of the years ahead.
Dan and Rita Thompson are a made-up Ontario couple. See how their plan changes when they both work to 67 instead of 63. These are saved results from Glacier Planner’s engine.
Their money lasts through 2061.
Under these assumptions, spending is funded until Dan is 97 and Rita is 95.
Revision 1 · Calculated 2026-10-14
Their money lasts through 2061.
Under these assumptions, spending is funded until Dan is 97 and Rita is 95.
Revision 1 · Calculated 2026-10-14
Year-end savings and cash, in 2026 dollars. Before tax at death.
The only changes are Dan’s and Rita’s retirement ages. CPP and OAS still start at 65 in both plans.
Savings are in 2026 dollars. Spending and income tax are in each year’s future dollars. Annual income tax below excludes OAS clawback.
| Year | Dan / Rita | Spending | Income tax | Savings (2026 $) |
|---|---|---|---|---|
| 2026 | 62 / 60 | $78,000 | $31,108 | $1,009,076 |
| 2027 | 63 / 61 | $79,638 | $11,759 | $1,013,431 |
| 2028 | 64 / 62 | $81,310 | $11,954 | $1,018,259 |
| 2029 | 65 / 63 | $83,018 | $0 | $984,078 |
| 2030 | 66 / 64 | $84,761 | $439 | $953,816 |
| 2031 | 67 / 65 | $86,541 | $473 | $930,515 |
| 2032 | 68 / 66 | $88,359 | $960 | $921,839 |
| 2033 | 69 / 67 | $90,214 | $967 | $912,923 |
| 2034 | 70 / 68 | $92,109 | $975 | $903,760 |
| 2035 | 71 / 69 | $94,043 | $7,234 | $888,896 |
| 2036 | 72 / 70 | $96,018 | $9,242 | $872,018 |
| 2037 | 73 / 71 | $98,034 | $9,425 | $854,661 |
| 2038 | 74 / 72 | $100,093 | $10,870 | $835,570 |
| 2039 | 75 / 73 | $102,195 | $11,218 | $816,511 |
| 2040 | 76 / 74 | $104,341 | $11,459 | $797,127 |
| 2041 | 77 / 75 | $106,532 | $11,721 | $777,472 |
| 2042 | 78 / 76 | $108,769 | $12,087 | $757,762 |
| 2043 | 79 / 77 | $111,053 | $12,274 | $737,539 |
| 2044 | 80 / 78 | $113,386 | $12,488 | $716,768 |
| 2045 | 81 / 79 | $115,767 | $12,690 | $695,444 |
| 2046 | 82 / 80 | $118,198 | $12,893 | $673,555 |
| 2047 | 83 / 81 | $120,680 | $13,109 | $651,076 |
| 2048 | 84 / 82 | $123,214 | $13,465 | $627,905 |
| 2049 | 85 / 83 | $125,802 | $13,676 | $604,117 |
| 2050 | 86 / 84 | $128,444 | $13,904 | $579,686 |
| 2051 | 87 / 85 | $131,141 | $14,135 | $554,597 |
| 2052 | 88 / 86 | $133,895 | $14,385 | $528,818 |
| 2053 | 89 / 87 | $136,707 | $14,632 | $502,337 |
| 2054 | 90 / 88 | $139,577 | $14,879 | $475,134 |
| 2055 | 91 / 89 | $142,509 | $15,115 | $447,199 |
| 2056 | 92 / 90 | $145,501 | $15,349 | $418,515 |
| 2057 | 93 / 91 | $148,557 | $15,495 | $389,109 |
| 2058 | 94 / 92 | $151,677 | $15,687 | $358,936 |
| 2059 | 95 / 93 | $154,862 | $15,853 | $327,992 |
| 2060 | 96 / 94 | $158,114 | $14,873 | $296,931 |
| 2061 | 97 / 95 | $161,434 | $13,142 | $266,008 |
| Year | Dan / Rita | Spending | Income tax | Savings (2026 $) |
|---|---|---|---|---|
| 2026 | 62 / 60 | $78,000 | $31,108 | $1,009,076 |
| 2027 | 63 / 61 | $79,638 | $22,954 | $1,095,329 |
| 2028 | 64 / 62 | $81,310 | $23,495 | $1,183,569 |
| 2029 | 65 / 63 | $83,018 | $29,039 | $1,285,797 |
| 2030 | 66 / 64 | $84,761 | $31,656 | $1,393,480 |
| 2031 | 67 / 65 | $86,541 | $11,311 | $1,439,589 |
| 2032 | 68 / 66 | $88,359 | $17,189 | $1,497,523 |
| 2033 | 69 / 67 | $90,214 | $1,231 | $1,505,103 |
| 2034 | 70 / 68 | $92,109 | $1,207 | $1,513,907 |
| 2035 | 71 / 69 | $94,043 | $1,182 | $1,523,968 |
| 2036 | 72 / 70 | $96,018 | $9,923 | $1,526,133 |
| 2037 | 73 / 71 | $98,034 | $9,975 | $1,529,228 |
| 2038 | 74 / 72 | $100,093 | $15,718 | $1,527,086 |
| 2039 | 75 / 73 | $102,195 | $16,198 | $1,525,446 |
| 2040 | 76 / 74 | $104,341 | $16,685 | $1,523,883 |
| 2041 | 77 / 75 | $106,532 | $17,114 | $1,522,498 |
| 2042 | 78 / 76 | $108,769 | $17,727 | $1,521,311 |
| 2043 | 79 / 77 | $111,053 | $18,072 | $1,520,006 |
| 2044 | 80 / 78 | $113,386 | $18,542 | $1,518,532 |
| 2045 | 81 / 79 | $115,767 | $18,978 | $1,516,944 |
| 2046 | 82 / 80 | $118,198 | $19,415 | $1,515,270 |
| 2047 | 83 / 81 | $120,680 | $19,880 | $1,513,500 |
| 2048 | 84 / 82 | $123,214 | $20,354 | $1,511,648 |
| 2049 | 85 / 83 | $125,802 | $20,839 | $1,509,710 |
| 2050 | 86 / 84 | $128,444 | $20,109 | $1,508,437 |
| 2051 | 87 / 85 | $131,141 | $20,402 | $1,507,221 |
| 2052 | 88 / 86 | $133,895 | $20,711 | $1,506,054 |
| 2053 | 89 / 87 | $136,707 | $21,015 | $1,504,943 |
| 2054 | 90 / 88 | $139,577 | $21,319 | $1,503,893 |
| 2055 | 91 / 89 | $142,509 | $21,621 | $1,502,874 |
| 2056 | 92 / 90 | $145,501 | $21,928 | $1,501,852 |
| 2057 | 93 / 91 | $148,557 | $22,212 | $1,500,879 |
| 2058 | 94 / 92 | $151,677 | $22,485 | $1,499,992 |
| 2059 | 95 / 93 | $154,862 | $22,719 | $1,499,220 |
| 2060 | 96 / 94 | $158,114 | $21,326 | $1,499,562 |
| 2061 | 97 / 95 | $161,434 | $19,075 | $1,501,517 |
Build your own plan for free. Your full results come with a yearly plan.
Read this sample without an account at /sample.json, or connect to https://planner.glacierfinancial.ca/sample/mcp. The sample server offers only four read tools. Your own households, changes, calculations and reports use the account connection at https://planner.glacierfinancial.ca/mcp.
Engine: a5245196fe9c440cac227184b300f58f54e073958c8bd49c259815cd391dec13
Rates: 2026 · Revision 1 in both plans · All amounts CAD
These estimates depend on the inputs, returns and inflation shown here. They do not predict actual markets or your own retirement. How the calculations work ↗
Read all inputs and saved results as JSON ↗Projections and education, not personalized investment advice. This example is not a plan for you.