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§ Calculator · Retirement
Retirement income from savings
What this is
What annual income can your current savings support?
Portfolio × withdrawal rate = annual income. Add CPP, OAS, and DB pensions for total retirement income. Use 3.5-4% as the conservative band.
Portfolio income
$32,000
Total annual income
$54,000
Monthly equivalent
$4,500
Income sources mix
$32K
$22K
Portfolio draw: $32KCPP / OAS / pension: $22K
4% rule assumes 30-year horizon, 60/40 portfolio, US data. Canadian early-retirees often use 3.5%; later retirees (75+) can safely use 5%+.
Disclaimer
Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting.