Retirement Readiness
See if your nest egg is on track for the lifestyle you want — free, private, Canadian rules.
Froogal says: there's a gap. About $468/mo more savings could close it (rough).
Verdict: Gap
Nest egg at retirement
$1.3M
Age 65
Nest egg needed (≈4%)
$1.5M
After CPP/OAS estimate
Extra savings to close gap
$468/mo
Money lasts to
Age 92
Lifetime tax ~$364k
Net worth over time
Year-by-year net worth
Full projection schedule (same engine as cash-flow).
| Age | Withdrawals | Tax | Spending | Net worth |
|---|---|---|---|---|
| 45 | $0 | $0 | $0 | $272,353 |
| 46 | $0 | $0 | $0 | $301,271 |
| 47 | $0 | $0 | $0 | $331,940 |
| 48 | $0 | $0 | $0 | $364,455 |
| 49 | $0 | $0 | $0 | $398,914 |
| 50 | $0 | $0 | $0 | $435,421 |
| 51 | $0 | $0 | $0 | $474,085 |
| 52 | $0 | $0 | $0 | $515,019 |
| 53 | $0 | $0 | $0 | $558,345 |
| 54 | $0 | $0 | $0 | $604,189 |
| 55 | $0 | $0 | $0 | $652,683 |
| 56 | $0 | $0 | $0 | $703,968 |
Showing first 12 of 51 years. Expand for the full schedule or download CSV.
Frequently asked questions
- What does On track / Tight / Gap mean?
- On track means your projected nest egg at retirement is at least ~90% of the amount suggested by a simple 4% withdrawal rule after CPP/OAS. Tight is 70–90%. Gap means below 70% or the plan runs short before your end age.
- How is nest egg needed calculated?
- We estimate spending not covered by CPP/OAS, then divide by 0.04 (a classic safe-withdrawal rule of thumb). It is illustrative, not a guarantee that 4% withdrawals last forever.
- Are my numbers stored on a server?
- No. Inputs stay in your browser (LocalStorage) by default. Core calculations run on your device.
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.