Retirement Planner — CPP/OAS/GIS

Retirement Planner — Pension, CPP/OAS/GIS & Portfolio

Inputs

Current age

Retirement age

Projection end age

Portfolio balance ($)

Return rate (%)

Salary ($)

Salary growth (%)

Desired income today ($)

Income inflation (%)

Contribution type: Fixed $ % of salary

Annual contribution ($)

Pension ($)(work pensions, annuities, etc.)

Enable CPP

CPP baseline @65 ($) CPP start age

Enable OAS

OAS baseline @65 ($) OAS start age

Enable GIS

GIS baseline @OAS start ($)

Desired retirement income is adjusted for inflation to future value.
CPP: -0.6%/month before 65, +0.7%/month after 65 (max 42%).
OAS: +0.6%/month deferred after 65 (max 36%). GIS tied to OAS.
CPP, OAS, GIS indexed 2% annually after start.
Bars: Pre-retirement salary/contribution, Pension + Gov Benefits + Withdrawals post-retirement. Line: Portfolio Balance.

Retirement Planner — Pension, CPP/OAS/GIS & Portfolio

Inputs

fORTHRightMIND