See how your retirement income sources stack up year by year — CPP, OAS, pension, RRIF, TFSA, and more. Understand where each dollar comes from and how your income evolves through retirement.
| Age | Employment | DB Pension | CPP | OAS | RRIF | TFSA | Non-Reg | Total Income |
|---|
Enter your income sources above to see your personalized retirement income analysis.
This tool provides general income projections for illustrative purposes. It does not account for inflation, investment growth, taxes, OAS clawback, or changing withdrawal needs over time. Not personalized financial advice.
Most Canadians enter retirement with multiple income sources that start at different ages and behave differently from a tax perspective. CPP and OAS are guaranteed and inflation-indexed but taxable. TFSA withdrawals are completely tax-free. RRIF withdrawals are taxable and grow larger with age due to rising mandatory minimums. Employment and non-registered income may taper off over time.
The sequencing of these sources — which you draw from first, when you start each, and how much you take from each — has a significant impact on your lifetime tax bill, OAS clawback exposure, and how long your savings last. This tool helps you visualize that picture so you can see where the gaps and overlaps are before meeting with a planner.