Leading Wealth Management — Retirement Scenario Planner

Household

Province

Survivor spends %

Retirement spending (today's $, after-tax)$90,000

Expected return5.5%

Inflation %

Return volatility %

Tax-smoothing target — keep taxable income under ($)

You (Person A)

Current age

Life expectancy

Retirement age

Employment income

RRSP balance

RRSP contrib./yr

LIRA

Non-reg

Non-reg ACB

TFSA balance

TFSA contrib./yr

CPP @65/yr

OAS @65/yr

Life insurance ($)

Policy expires at age

Employer pension ($/mo)

Pension starts at age

Disability income ($/yr)

From age

To age

Qualifies for Disability Tax Credit

CPP start age65

OAS start age65

Spouse / partner

Include a spouse / partner (Person B)

Current age

Life expectancy

Retirement age

Employment income

RRSP balance

RRSP contrib./yr

LIRA

Non-reg

Non-reg ACB

TFSA balance

TFSA contrib./yr

CPP @65/yr

OAS @65/yr

Life insurance ($)

Policy expires at age

Employer pension ($/mo)

Pension starts at age

Disability income ($/yr)

From age

To age

Qualifies for Disability Tax Credit

CPP start age65

OAS start age65

Non-registered (joint)

Balance

Cost base (ACB)

Contrib./yr

Each person can also hold their own non-reg above. Balance − ACB = taxable embedded gain (50% incl.).

Home & life events

Home strategy

Home value today

Home growth %/yr

Selling costs %

Sell/downsize at age (A)

Rent after sale/yr

Downsize to (home value)

Mortgage

Balance owing

Payment/mo

Rate %

Windfalls & big expenses

Inheritance amount

…received at age (A)

One-time expense

…at age (A)

Business (owned by You)

Business value today

Value growth %/yr

Annual business income

Sell at age (You)

Capital-gains exemption at sale (LCGE)

Income is taxable each year until sale; at sale, gain above the exemption is taxed (50% incl.). Sold to the estate/survivor on the owner's death.

Quick scenarios — what happens if…

Tap to toggle. Stack several. The plan below updates live and shows the hit vs your baseline.

Timing decisions

🏖️ Retire 3 yrs earlier

💼 Retire 3 yrs later

⚡ Take CPP at 60

⏳ Delay CPP to 70

Spending & family

📈 Go-go / slow-go / no-go curve

🎁 Gift $50k at

🎁 Gift $100k

💸 Unexpected −$30k at

Stress tests

📉 Market −20% in year

🏠 Sell home & rent at

⚰️ Spouse passes at

Impact vs your baseline

Plan success

—

Estate @ end

—

Lifetime tax

—

Plan success

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Monte Carlo · 600 runs

Estate @ end

—

net worth

Nest egg @ retirement

—

Lifetime tax

—

both returns, all years

Your CPP timing — same plan, three start ages

Click a card to set Person A's CPP age. Household lifetime CPP + estate at plan end (baseline).

Net worth over time

Registered (RRSP/RRIF + LIRA/LIF) + TFSA + non-registered + home equity (net of mortgage). Dashed = first retirement.

Registered (RRSP/LIRA) TFSA Non-registered Business Home equity Retirement

Where retirement income comes from

Each bar = one household year of retirement, stacked by source.

CPP OAS Registered (RRIF/LIF) Non-registered TFSA

Estate tax obligation — running exposure

If the last surviving spouse died in a given year, the income tax the estate would owe — mainly the deemed disposition of registered accounts (RRSP/RRIF + LIRA/LIF), plus non-registered gains and any business. The shaded band is ages 60–70, where large registered balances create the biggest exposure before draw-down.

Estate tax owing if death this yearAges 60–70 exposure window

Recommended withdrawal plan — stay in the lowest bracket

Each retirement year: where the after-tax spending should come from to keep taxable income low. The engine fills cheap tax-bracket room from registered accounts (up to your target), then draws tax-free from TFSA, then non-registered — pushing into higher brackets only when unavoidable.

Age	After-tax need	CPP+OAS+Pension	From RRSP/RRIF+LIRA	From TFSA	From Non-reg	Taxable income	Top marginal rate

Year-by-year

Yr / Age	Return	Employment	CPP+OAS	Reg. w/d	Non-reg w/d	Tax + claw	After-tax spend	Mortgage	Net worth