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 | $1.2M | $797k | $1.2M |
| Lifetime tax | $425k | $226k | $395k |
| OAS clawback | $65k | $2,146 | $72k |
| Money lasts | 85 | 74 | 77 |
| Estate (approx) | $0 | $0 | $0 |
| Verdict | shortfall | shortfall | shortfall |
Retire at 65
$1.2M
Tax $425k
Retire at 60
$797k
Tax $226k
Higher spending
$1.2M
Tax $395k
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.