Find the earliest age you can retire without running out of money. We factor in your savings, spending, investment growth, inflation, and CPP/OAS to see how long your lifestyle can last.
We only ask once so we can send your result.
No spam. Your estimate + next steps, that’s it.
Your age today (no rounding gymnastics).
Enter your age in years (numbers only).
All investment accounts you’d use for retirement. Rough totals are fine.
Use a number like 150000 (no commas).
What you add each month going forward (auto‑transfers count!).
Use a number like 800 (no commas).
Your typical monthly spending to live your life including housing, food, fun. Pretax (add 20%).
Use a monthly amount like 4200.
More details (optional)
How much you’d pull from investments each year in retirement. Higher = retire sooner, with more risk.
Not sure? Leave as‑is or blank. We’ll treat blank as $0.
Usually 60–70. 65 is common.
Okay to leave as‑is or blank if unsure.
Most people start at 65.
Used to grow future prices and benefits into tomorrow’s dollars.
Your portfolio’s expected annual return while you’re still saving.
Expected annual return after you retire (usually lower for safety).
Leave CPP/OAS blank if unsure (assumes $0). We test sustainability to age 95. You can always refine with us later.
Earliest Sustainable Retirement
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Enter details and tap the button.
This is for educational purposes only, and is not personalized advice.