Retirement Planner
Retirement planning is two questions: when can you stop working, and how should you spend down your accounts once you do? This tool connects both sides of that coin.
Start in Accumulation to estimate your FIRE age and portfolio target. Switch toWithdrawal to model drawdown — your FIRE portfolio auto-fills and you set the TFSA / RRSP / non-reg split by percentage. Changes on either tab stay in sync.
FIRE at age 66
$1.1M
FIRE number
31.8
Years to FIRE
66
FIRE age
Coast FIRE
Coast FIRE number: $150K — achievable around age 39
The portfolio needed today so you could stop contributing and still reach FIRE by 65 through compound growth alone.
Return scenarios
| Return | Years to FIRE | FIRE age |
|---|---|---|
| 4.0% | 50+ | — |
| 7.0% | 31.8 | 66 |
| 10.0% | 23.9 | 58 |
Portfolio vs FIRE target
Portfolio growth toward financial independence target. Portfolio ends at $2.5M (Age 65); FIRE target ends at $2.7M (Age 65)
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Withdrawal Strategy Planner
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ETF Growth Calculator
Project portfolio growth with lump-sum and monthly contributions at adjustable return rates.
These calculators use hypothetical assumptions for illustration only — not a guarantee of future performance or personalized financial advice. Consult a qualified professional before making investment or tax decisions.