Retirement Income & Pension Planner

Personal Timeline

Current Age

Retirement Age

Planning Horizon (Age)

Investment Portfolio

Initial Portfolio Balance

Annual Pre-Retirement Savings Pre-Retirement

Annual Contribution Escalation (%)

Pre-Retirement Return (%)

Post-Retirement Return (%)

Expected Inflation Rate (%)

Income Tax Modeling

Effective Retirement Tax Rate (%)

Estimated average combined federal and provincial/state tax rate.

Target Income Setting Represents When Net is selected, withdrawals automatically scale up to cover taxes.

Defined Benefit (DB) Pension

Annual Lifetime Gross Pension Payout

Stated in today's dollars, escalates at retirement

Pension Start Age

Cost of Living Adjustment (COLA / Indexing)

Fixed COLA Annual Increase (%)

Pension Bridge Benefit (to Age 65)

Annual Gross Bridge Payout

Start Age

End Age

Bridge is Inflation Indexed

Government Benefits (CPP & OAS)

Canada Pension Plan (CPP) / Social Security ($/yr gross)

Inflation Indexed (COLA)

Old Age Security (OAS) / Base Supplemental ($/yr gross)

Inflation Indexed (COLA)

Retirement Drawdown Strategy

Withdrawal Method

Preservation Annual Draw 0.0%

$0/yr

Withdraws only the exact portfolio returns each year so the balance trajectory remains completely flat and never depletes.

Desired Total Annual Income (Today's $)

Interpreted as Net or Gross based on Income Tax settings above.

Initial Withdrawal Rate (%)

Classic Bengen Rule: withdraws this % of portfolio in Year 1, adjusted for inflation annually.

Annual Gross Portfolio Withdrawal (Today's $)

Target Bequest at Life Expectancy

Flat Trajectory Draw (Principal Preserved): 0.0%

$0/yr (~$0/mo)

Portfolio at Retirement

Year 1 Net Income

Initial Withdrawal Rate

0.0%

Sustainable

Portfolio Longevity

Age 90+

Fully Sustained

Lifetime Taxes Paid

At effective tax rate

Guaranteed Income Share

Lifetime pension vs portfolio

💡

Analyzing plan...

Calculating portfolio accumulation, pension integration, and tax impact.

Year-by-Year Cash Flow & Tax Schedule

Detailed breakdown of accumulation, DB pension, bridge benefits, gross withdrawals, income taxes, and net spendable income.

Age	Year	Opening Balance	Investment Return	Contrib / Gross Draw	DB Pension	Bridge	Gov Benefits	Total Gross	Est. Tax	Net Spendable	Ending Balance

Analyzing plan...

Year-by-Year Cash Flow & Tax Schedule

Save Profile

Manage Saved Profiles