Canadian Retirement Calculator
Planning for retirement doesn’t have to be complicated. Our free Canadian Retirement Calculator helps you estimate when you may be able to retire, how much your investment portfolio could grow over time, and whether you’re on track to reach your long-term financial goals. Simply enter a few details about your current situation, and the calculator will estimate your retirement outlook, projected portfolio value, estimated retirement income, and provide a personalized Financial Freedom Score based on your progress. Whether you’re just starting to invest or already building a sizable portfolio, this calculator is designed to help Canadian investors better understand how today’s decisions can impact tomorrow’s retirement.
OutsiderTrading.ca
Canadian Retirement Calculator
Estimate when you could retire—or see how much you may have by the age you choose.
Your Information
Advanced Options
Inflation is estimated at 2% annually. You can adjust these assumptions to test different scenarios.
Your Results
Estimated Retirement Outlook
What If You Save More?
Increase your current savings rate in 5% increments.
This calculator is for educational purposes only. Results are estimates and do not include taxes, CPP, OAS, employer pensions, contribution limits, fees, market volatility, or personalized financial advice.
Frequently Asked Questions
How does this retirement calculator work?
This calculator estimates your retirement timeline based on your current investments, annual income, savings rate, expected investment returns, and estimated retirement spending. Results are estimates only and should not be considered financial advice.
Is this calculator designed for Canadians?
Yes. It was built specifically for Canadian investors and uses Canadian dollars throughout.
Does this include CPP or OAS?
No. To keep the calculator simple, it focuses on your personal investment portfolio. Government benefits such as CPP and OAS are not currently included.
Can I estimate how much I'll have by a certain retirement age?
Yes. Switch the calculator to "How much could I have at a chosen age?" to project the value of your portfolio at your target retirement age.
Is the Financial Freedom Score a guarantee?
No. The Financial Freedom Score is an educational metric designed to help you understand your current retirement trajectory. It is not a guarantee of future investment performance or retirement success.