Find out how long your savings will last. Factor in CPP, OAS, investment income, and your monthly spending to see if you're on track.
Enter your retirement snapshot to see how long your money lasts.
A common guideline: withdraw no more than 4% of your portfolio per year to make money last 30 years. For $500,000, that's $20,000/year ($1,667/month from savings). CPP and OAS reduce how much you need to withdraw.
| Start Age | CPP Adjustment | OAS Adjustment | Best If... |
|---|---|---|---|
| 60 | −36% (7.2%/year early) | Not available | Health concerns or need income now |
| 65 | Standard (100%) | Standard (100%) | Average health, standard retirement |
| 70 | +42% (8.4%/year delay) | +36% (7.2%/year delay) | Good health, want guaranteed larger income |