A retirement calculator takes the guesswork out of planning for your future. Explore how much you may need to save, see how your savings could grow and discover what steps you can take today to enjoy a more comfortable retirement tomorrow.
IMPORTANT NOTE: Tandia Financial’s Retirement Calculator is provided for independent, informational use only and is not intended to provide financial, investment or tax advice. All calculations and examples are hypothetical and for illustrative purposes only. Tandia Financial does not guarantee the accuracy or applicability of the results. Individual financial circumstances will vary. OAS benefits may be subject to recovery tax (commonly known as a clawback) depending on income. OAS and CPP estimates are based on 2026 rates and individual contribution history. Tax estimates use 2026 CRA rates and may vary based on income, household circumstances and income splitting. For advice tailored to your personal financial situation, please visit your local Tandia branch to speak with a qualified professional. .
Adjust the sliders or enter figures to calculate your personalized Ontario retirement plan.
Calibrated returns: 6.5% pre-retirement | 4.5% in retirement.
Visual progression through accumulation and drawdown phases
Year-by-year record of portfolio growth, contributions, drawdowns, and Ontario tax
| Year | Age | Phase | Start Balance | Contribution / Draw | Growth Earned | End Balance | Gross Income | Estimated Tax | Net Take-Home |
|---|
Save a PDF summary or print the complete plan with multi-year projection milestones.
Time goes faster than you think...
Saving for retirement can never happen too soon. Registered Retirement Savings Plans (RRSPs) are an essential part of a rounded portfolio that ensures you have a secure financial future. Tandia has a number of safe and secure RRSP investment options available.
Got travel plans? Tandia members receive discounted rates on travel insurance. Whether you're still in school, starting retirement, a world traveller or off on a quick weekend escape, enjoy our coverage options that fit your lifestyle.
At Tandia we have a range of investment products that can help you reach your financial goals. We have a full complement of traditional investment products that can be held within or outside of a registered plan.
No matter what stage of life you are in or how much money you have to invest - we are here to work with you and help your savings grow.
Get in touch with us at any time, whether it’s a question about our services or a comment on how we can do things better. Your voice is number one at Tandia.
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