Free tool
Retirement Calculator
How much will you have — and how much do you need? Project your nest egg and compare it to your target using the 25× / 4% rule of thumb.
Projected nest egg at age 60
CA$1,305,644
Could support about CA$4,352/month (4% rule)
Target (25× income)
CA$1,500,000
Shortfall
CA$194,356
To hit target, save
CA$1,193/mo
Estimate in today's-value terms if your return is real (after inflation). The 25× / 4% rule is a rule of thumb, not a guarantee. Excludes CPP/OAS, taxes and fees. Not financial advice.
The 25× / 4% rule
A common rule of thumb: you can withdraw about 4% of your savings each year, so you need roughly 25× your desired annual spending. Want $60,000/year? Aim for about $1.5M.
Use a real return
Enter your expected return after inflation (e.g. 5–6% instead of 8%) so the result is in today's money and easier to judge.
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