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Calculators
Retirement calculator (simple + transparent).
Plug in your numbers. This is designed to mirror the logic in my Excel retirement calculator (annual steps, spending inflated by inflation, portfolio grows at your chosen returns).
Inputs
Assumptions (simple):
• Savings are added yearly • Spending rises with inflation • Portfolio grows at your chosen return • No taxes/CPP/OAS included (add later)
Results
Total at retirement
Age money runs out—
Simulation results
This simulation runs thousands of possible market return paths using your inputs.
Instead of a single average outcome, it estimates how likely your savings
last through retirement.
Confidence level shows the percentage of simulations where your money
never runs out. The 10th / 50th / 90th percentiles represent pessimistic,
typical, and optimistic outcomes.
Confidence level: —
| 10th percentile | 50th percentile | 90th percentile |
|---|---|---|
| — | — | — |
Tip: changing return from 6% to 7% can add many years because it compounds over decades.
Year-by-year table
| Year | Age | Income | Monthly savings | Annual savings | Annual retirement cost | Total |
|---|