Retirement savings calculator

All figures in today's dollars, inflation-adjusted at 2.1%.

Constant return assumption — the rate you set is applied annually, with no compounding-frequency adjustment.

Taxes and fees excluded. Actual outcomes depend on account type, tax bracket, and withdrawal sequencing.

CPP estimated at the 2026 approximate average ($11,104/yr from age 65), adjusted for start-age choices. Your actual amount depends on your contribution history. For personalized estimates, see Service Canada's Canadian Retirement Income Calculator.

OAS estimated at the 2026 maximum ($8,917/yr from age 65 to 74, increasing 10% at age 75). OAS clawback may apply if your annual income exceeds approximately $91,000, and is fully clawed back at higher income levels. Not modeled in this projection. Use Service Canada's OAS Benefits Estimator for amounts based on your situation.

Life expectancy modeled to age 90.

Not financial advice. This calculator is for informational purposes only and does not constitute financial, investment, legal, or tax advice. Consult a qualified advisor before making decisions.

Estimates only. Projections are based on the assumptions you enter and may differ materially from actual results due to market conditions, inflation, and individual circumstances.

No guarantee of results. Historical or assumed returns do not guarantee future results. Matco does not guarantee accuracy and will not be liable for actions taken based solely on these results.

Get personalized advice. This tool is a starting point. A Matco portfolio manager can help develop investment and planning considerations that considers your specific tax, account, and estate situation.