🍁 Canadian Retirement Planner

All income shown after estimated Alberta tax · Figures in today's dollars

Your Details

Province

~22% effective tax · No PST · Flat 10% provincial rate

Your current age35
1864

Retire at age

30 years to grow your portfolio

Your CPP estimate at 65
$/mo
$0avg ~$850 · max $1,365$1,365
Current savings (RRSP + TFSA + other)$150,000
0800000
Monthly contribution$2,000
06000
Expected annual return6%
310
Inflation assumption2.5%
15
Target monthly spend (after tax, today's $)$6,000
200015000

After-tax monthly income at 65 · Alberta

$8,178

Well Funded ✓
Portfolio at retirement: $2,912,416
Gross before tax: $10,484

Income breakdown (after tax)

CPP$335/mo
OAS$271/mo
Portfolio (4%)$7,572/mo
Target: $6,000/mo+$2,178 surplus 🎉

136% of target covered · ~22% effective Alberta tax applied

After-Tax Monthly Income by Retirement Age · Alberta

Click any bar to select that retirement age

Key Assumptions

CPP timing

±0.7%/month

vs. your age-65 estimate

OAS base

~$728/mo at 65

2026 est · indexed to CPI

Withdrawal

4% rule

targets 30-yr sustainability

Tax rate

~22% effective

Alberta on ~$70K income

For illustrative purposes only — not financial or tax advice. Tax rates are estimates; a financial planner or CPA can provide exact figures. TFSA withdrawals are tax-free and may reduce your effective rate.