📊 Financial Planner 📈
This tool doesn’t predict markets. It stress-tests whether your plan survives different futures — it tells you how much risk you can afford, not which ticker will win.
📉 Asset vs. Retirement Expense
📉 Monte Carlo Simulation: Retirement Asset Range
Benchmark (fixed): S&P 500
SPY • 20y •
CAGR 10.8% •
σ 19.4%
✅ Probability of plan success
ⓘ
(no depletion through age 90):
100.0%
Strong
Success = assets never hit $0 before age 90.
Band guide: <65% = caution, 66–88% = okay, 89%+ = strong
If Caution: adjust one lever — retire later • spend less • save more • reduce volatility.
Executive dashboard
How safe is this plan?
Baseline success:
100.0%
Strong
How fragile is it under stress?
Enable Reality Check Pack to see stress fragility.
What should I change first?
Run Sensitivity to show the top lever.
⚠️ Depletion Risk Summary (Based on 300 Monte Carlo Simulations)
- 0.0% chance of running out of money by age 75
- 0.0% chance of running out of money by age 85
- 0.0% chance of running out of money by age 90
Monte Carlo results include volatility drag and sequence risk. Return Std Dev (σ) ⓘ controls how “bumpy” yearly market returns are around your average return. Note: this version uses a single σ across pre- and post-retirement.
Assumes current savings, asset, CPP, expenses, and retirement age remain fixed. Market returns and inflation are randomly varied in each simulation.
⚡ Live What-If
Restore sliders from the current inputs above.
More controls
🧭 Strategy Coach (beta)
Lever (choose one)
🎯 Goals (beta) — extra expenses or inflows
| Enabled | Name | Type | When | Amount | Infl. |
|---|
Note: goals are merged client-side into asset liquidations (post-tax) before the live update call.
🔄 Compare Saved Scenarios
Scenario snapshot (saved in DB)
Select Scenario A / B above; this shows the key plan inputs saved on each scenario.
| Scenario | Plan snapshot | Assumptions |
|---|---|---|
| Waiting for selection… | ||
🔄 Compare
Monte Carlo Simulation
Sensitivity – Dollar Impact (Core Inputs)
Retirement Age – Dollar Impact (Own Scale)
Tax-Aware Retirement Plan
These inputs mirror the top form; they’re tucked away to keep the page clean while reviewing Tax-Aware Visuals.
Applied each retirement year (unless RRIF minimum is explicitly enabled).
Tax Inputs (Tax-lite)
Common inputs (example):
OAS Monthly ≈ $800 starting at 65;
Clawback threshold ≈ $90,000/yr;
Clawback rate 15%;
RRIF start age 71.
Check Index OAS to grow OAS with inflation. Adjust to your year/province.
Example only: ~$57,375 → ~14.5%; ~$114,750 → ~20.5%; income above that typically ~26-32% depending on province/territory.
See simple bracket table (CRA)
.
Note: With brackets ON the flat Income Tax Rate (%) is ignored.
Use Taxable Drag (%) to include ongoing tax on taxable investment income.
RRIF-min taxes still show under “Tax paid from Taxable (overlay)”.
Optional friction on Taxable growth only. Enter manually, or use the helper below and tick
Auto-apply to fill this for you. If you want to overwrite the helper, simply
uncheck Auto-apply and type your own value here.
Taxable Drag Helper
| Stream | Allocation (% of taxable) | Yield (% on that slice) | Effective Tax Rate (%) | Contribution to Absolute Drag (%) |
|---|---|---|---|---|
| Eligible dividends | 0.000 | |||
| Interest (incl. foreign withholding) | 0.000 | |||
| Realized capital gains Use effective rate (after inclusion), e.g. 50%×30% = 15%. |
0.000 | |||
| Absolute Drag (Σ contributions) | 0.000% | |||
| Implied Taxable Drag d = Absolute Drag ÷ Return Rate | 0.00% | |||
Allocation is the share of your Taxable balance in that stream (total ≤ 100%).
Yield is the annual % paid/realized on that slice (e.g., 5% dividend yield;
for realized capital gains, enter the % of that slice you expect to realize as gains
this year — for example, if you hold $300k of growth stocks and realize $15k of gains in the
year, the Yield for that row is 15k ÷ 300k = 5%, even if you sold more than
$15k worth of shares). For each row we compute
Allocation × Yield × Effective Rate to get that row’s contribution to
Absolute Drag (% of the taxable balance). Summing rows gives total Absolute Drag.
We then divide Absolute Drag by your Return Rate to get the model’s
Taxable Drag (%), which is applied to Taxable growth only.
Example (common inputs): 60% equities @ 2% yield taxed 10% → 0.12%;
40% bonds @ 4% yield taxed 30% → 0.48%. Absolute Drag = 0.60%.
With an 8% return, Taxable Drag = 0.60 ÷ 8 = 7.5%.
Allocate your current assets across these three accounts.
The total here should match your current portfolio balance.
ⓘ
Total allocated: $0
Pre-retirement contribution split: Each pre-retirement year we deposit savings in this order
TFSA → RRSP → Taxable. Amounts below are annual targets; Taxable is auto-computed as
Monthly Savings × 12 − TFSA − RRSP.
ⓘ
Tip: If TFSA + RRSP exceeds Monthly Savings × 12, we’ll use TFSA first, then RRSP, and set Taxable to $0 for that year.
Savings grow each pre-retirement year by your Annual Saving Increase Rate (%)
and are then split in this order TFSA → RRSP → Taxable.
ⓘ
TFSA cap grows automatically from $7,000 in 2025 by ≈2.1%/yr for 2026+.
We apply that cap before RRSP and Taxable in the yearly split.
ⓘ
Tax-Aware Visuals
Parity mode — charts never block the tablePart A — Six-withdrawal ledger: Year-by-year retirement flows by source using your chosen withdrawal order (e.g., Taxable → TFSA → RRSP), with OAS and RRIF-minimum overlays, tax on taxable and RRSP, and ending balances by account. Use the CSV to view all rows.
| Age | Baseline Assets (100% Taxable) | From Taxable | From TFSA | From RRSP (Gross) | RRIF Min % | CPP / Support | OAS (Gross) | OAS Clawback | OAS (Net) | Tax on Taxable (overlay) | Tax on RRSP (overlay) | Taxable Drag | End Taxable | End TFSA | End RRSP | End Total |
|---|
Optimize withdrawals (beta)
Next-$1 Analyzer (first retirement year)
RRSP marginal on next $1: —
Taxable marginal on next $1: —
OAS headroom / status: —
Optimizer result (summary)
—