Income Plan
Test monthly spending, other income and how long the portfolio may need to last.
Build my income plan Educational illustration · Rough estimates are fineTurn savings into retirement income.
Build a practical monthly plan from your portfolio, pensions, work and other income.
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Retirement Planner
Bring CPP, OAS, monthly spending and account balances into one comparison.
Build my retirement plan Use your confirmed benefit estimates · Inputs save on this device
This phase may fit if…
You are retired or expect to begin withdrawals soon.
You want to know what you can comfortably spend.
You need to see every source of retirement income together.
You want to understand how long the portfolio may need to last.
What matters now
Build your retirement income plan
| Action | Description | Tool |
|---|---|---|
| 1. Add your retirement accounts | Keep TFSA, RRSP, RRIF, cash and non-registered balances visible. | Retirement Planner |
| 2. Compare the trade-offs | See the benefit bridge and three educational withdrawal orders. | Retirement Planner |
| 3. Test the monthly income plan | Explore spending, longevity, inflation and an early market decline. | Income Planner |
Supporting information
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Questions for this phase
Understand the income plan
Why can retirement income change over time?
Pensions and benefits may be regular, but portfolio withdrawals depend on spending, markets and how long the money is needed. The Income Planner keeps those sources separate before showing how they work together.
Where do dividends fit?
Dividends can provide cash flow, but they are part of total return and can change. The Income Planner can compare an entered yield with the spending need without counting dividends twice or assuming that a high yield is safer.