Cash-Flow Projection
Year-by-year income, tax, spending, and net worth — with Canadian benefits and RRIF rules.
Froogal says: in this scenario, the plan gets tight around age 82.
Nest egg at retirement
$1.3M
Money lasts to
Age 82
Lifetime tax
$459k
Lifetime OAS clawback
$92k
Net worth
Income sources (early retirement years)
Year-by-year projection
Full engine schedule — every age from now to plan end. Export CSV for spreadsheets.
| Age | CPP | OAS | Withdrawals | Tax | Spending | Net worth |
|---|---|---|---|---|---|---|
| 55 | $0 | $0 | $0 | $0 | $0 | $650,000 |
| 56 | $0 | $0 | $0 | $0 | $0 | $702,900 |
| 57 | $0 | $0 | $0 | $0 | $0 | $758,853 |
| 58 | $0 | $0 | $0 | $0 | $0 | $818,020 |
| 59 | $0 | $0 | $0 | $0 | $0 | $880,569 |
| 60 | $0 | $0 | $0 | $0 | $0 | $946,680 |
| 61 | $0 | $0 | $0 | $0 | $0 | $1,016,537 |
| 62 | $0 | $0 | $0 | $0 | $0 | $1,090,337 |
| 63 | $0 | $0 | $0 | $0 | $0 | $1,168,287 |
| 64 | $0 | $0 | $0 | $0 | $0 | $1,250,604 |
| 65 | $12,000 | $9,024 | $68,815 | $3,904 | $85,330 | $1,244,319 |
| 66 | $12,240 | $9,204 | $70,440 | $4,206 | $87,036 | $1,236,095 |
Showing first 12 of 41 years. Expand for the full schedule or download CSV.
Frequently asked questions
- What withdrawal order does the projection use?
- By default: non-registered, then RRIF/RRSP (after RRIF minimums), then TFSA. Phase 2’s withdrawal sequencer compares alternate orders.
- Does tax include provincial tax?
- Yes for ON, AB, and BC using our 2026 brackets (plus ON surtax and health premium). Quebec provincial tax is approximate (federal only) and shown with a warning. Non-registered withdrawals tax only the capital-gain portion using a tracked adjusted cost base.
- What does money lasts to age X mean?
- The first age where portfolio balances cannot fund the spending goal (after benefits). Beyond-plan means balances stayed non-negative through your end age.
Not financial advice. Educational estimates only, based on 2026 Canadian rules and your assumptions. Consult a licensed advisor or tax professional before decisions. Froogal is a mascot, not a licensed professional.