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Discontinuation Notice
We regret having to make the decision to discontinue support for our flagship retirement analysis software - the SmartPlanner. We wish to thank our small core of supporters and users who have provided us with feedback, donations and even just appreciation for our efforts. Barring any unforeseen developments we will be ending our service on September 30, 2021.

Unfortunately the cost of developing and maintaining this unique program has not been covered by subscriptions, donations or advertising revenues.

Basic Retirement Calculator

(For optimal user experience view this page in Landscape Mode on tablets and mobile devices)

Rate of Return

We have based our default rate of return using the suggestions provided by the Financial Planning Standards Council of Canada. You can review their 2018 assumptions in this document.

Other Considerations

The median average hourly wage in Canada in April 2019 was about $22.00 which is the equivalent of $48,000 on an annual basis. Typically income requirements in retirement are less than those during working years.

We have suggested a level of retirement income based on your income in your working years. This may or may not be appropriate for your particular situation. You should choose a level of income in retirement with which you are comfortabe.

This calculator should be used as a primary analysis only and a more detailed analysis of your financial situation should be undertaken. The SmartPlanner from MoneyPages can provide significantly more detail and a more accurate analyis of your retirement plans.