Scenario Comparator
Side-by-side plans — retire early, spend more, or delay CPP — see the diffs.
Froogal says: “Retire at 65” leaves the largest modelled estate (~$0). Compare tax and runway below.
| Metric | Retire at 65 | Retire at 60 | Higher spending |
|---|---|---|---|
| Retire age | 65 | 60 | 65 |
| Nest egg @ ret | $1.1M | $783k | $1.1M |
| Lifetime tax | $358k | $170k | $332k |
| OAS clawback | $0 | $0 | $0 |
| Money lasts | 95 | 76 | 82 |
| Estate (approx) | $0 | $0 | $0 |
| Verdict | shortfall | shortfall | shortfall |
Retire at 65
$1.1M
Tax $358k
Retire at 60
$783k
Tax $170k
Higher spending
$1.1M
Tax $332k
Net worth overlay
Frequently asked questions
- What can I compare?
- Side-by-side nest egg, lifetime tax, OAS clawback, and money-lasts age for two or three plans (e.g. retire 60 vs 65, or different spending).
- Are scenarios saved?
- Yes, in your browser LocalStorage only. Clearing site data removes them.
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.