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Retirement Savings Calculator

Want to know if you're saving enough? Plug in your numbers and see where you stand. Our simple calculator shows you if you're on track for the retirement lifestyle you want.

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How does our retirement savings calculator work?

Our Retirement Savings Calculator provides personalized projections to help you plan for a comfortable retirement. The calculator takes into account your existing savings, anticipated investment returns, and inflation to estimate the total funds you'll need.

Some key assumptions built into our calculations include:

  • Annual inflation rate of 3%
  • Life expectancy set at 85 years
  • No taxes or investment fees included in the estimates
  • CPP/QPP and OAS payments not factored in (you can add these to your contribution amount)
  • Investments continue to grow at a consistent rate during retirement

These simplified assumptions allow us to generate clear, actionable retirement savings targets. However, we recommend reviewing the results with a financial advisor, who can provide more personalized guidance based on your unique circumstances and planning preferences.

What questions can the retirement savings calculator help answer?

Our Retirement Savings Calculator can provide you with personalized insights to help you plan for a secure retirement. Enter a few simple inputs, and the calculator will estimate:

  • Whether you're on track to have sufficient funds throughout your retirement
  • The recommended monthly/annual contribution amount to achieve your desired retirement lifestyle
  • The optimal retirement age based on your savings and income projections
  • The estimated assets that will remain after your lifetime to potentially transfer to your family, a charity, or other beneficiaries.
  • How market fluctuations could impact your retirement plan

By using our Retirement Savings Calculator, you'll gain a clearer understanding of your retirement readiness and the steps you can take to maximize your long-term financial security.

What is the first thing I should do to get retirement ready?

Start your retirement journey with an RRSP. It's the tax-smart foundation for your future, helping your money grow faster while reducing your taxes today.

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Disclosure

This retirement savings calculator is provided for informational purposes only and does not constitute personalized financial advice. The results generated are based on the information you provide and several assumptions. The expected annual rate of return you enter may differ from the actual investment returns you experience. This calculator assumes a constant, annualized rate of return, regardless of compounding frequency. The calculations do not account for any taxes, fees, or partial years - all years are treated as 12 months between your current age and retirement. Savings, income, and contribution amounts are assumed to be in real (non-inflated) dollars, and retirement withdrawals are treated as non-taxable for simplicity, though actual tax implications may vary.

The projections created by this tool are estimates only and may not reflect your actual financial situation or future outcomes. Actual results can vary significantly due to changing economic conditions, inflation, market volatility, and other factors over time. We strongly recommend consulting a qualified financial advisor to develop a personalized retirement plan that considers your unique circumstances, risk tolerance, and long-term financial goals. The advisor can provide tailored guidance and strategies to help you achieve the secure and fulfilling retirement you desire.

This calculator is designed to provide general guidance, and the results should not be relied upon as the sole basis for making investment or retirement planning decisions. Past performance does not ensure future returns, and the projected outcomes may differ based on a variety of uncontrollable factors. Matco Financial Inc. does not guarantee the accuracy or completeness of the calculator results and will not be liable for any actions taken based solely on the information provided.