Calculator

What will your retirement savings look like at the finish line?

Project your balance at retirement, estimate the annual income it could support, and see how a more conservative return would change the picture. Your numbers, stated assumptions, no sign-up.

Your plan inputs

Defaults are typical starting points — make them yours, then calculate.

Current age

Retirement age

Current retirement savings ($)

Everything you already have set aside: RRSP, TFSA, employer plan, other registered accounts.

Monthly contribution ($/month)

What you're putting in (or plan to put in) each month.

Expected annual return: 6%

A blended long-term return assumption. A balanced mix of Canadian and global assets is commonly planned around 4–7% before tax. You can't know what the market will do — this is the planning assumption, and the sensitivity table below shows what happens around it.

Your projection

Runs instantly in your browser — nothing is sent or stored.

Enter your plan and press "Calculate my projection" to see your projected balance, income estimate, growth chart, and sensitivity table.

Assumptions behind this projection

Return is constant each year, compounded monthly, before tax
Contributions are level (no raises or changes built in)
The 4% figure is a common planning heuristic, not a guaranteed sustainable rate
Excludes CPP, OAS, and any pension income — add those for the full picture
No inflation adjustment shown (real-world planning uses real returns)

This is an educational projection, not a guarantee, quote, or investment advice. Markets fluctuate and past performance never guarantees future results. Actual outcomes depend on many factors you can't control. Bring this projection to a conversation with a WealthBox advisor to build a real plan.

Turn this into a real retirement plan

Understanding the result

How to read your projection

Three numbers matter. The projected balance is what your saving and assumed returns produce. The 4% income estimate is a planning heuristic widely used in retirement research — a commonly cited sustainable withdrawal level, not a promise that the market will cooperate. And the sensitivity table is the honest part: the difference between a 4.5% and 7.5% return over decades is often the difference between a workable plan and a stretched one. A full retirement plan adds what this tool leaves out — CPP, OAS, pensions, housing, and the spending you'll actually have. Read the guide: retirement planning, explained.