Goal · 🇨🇦 Canada
🌴 Retire comfortably
Figure out your retirement number, how much to invest each month, and the split between pension, ISA / 401(k) / EPF, and regular investments.
Your 4-step plan
Work through these in order. Each step links to the calculator you need.
- 1
Set the target
A common rule: 25× your annual spending is "enough" to retire on. Plug in your target lifestyle.
Open RRSP - 2
Max the tax-wrapped accounts
Every market has a tax-free or tax-deferred retirement account. Fill these first — the tax savings are the single biggest return you'll ever get.
Open TFSA - 3
Top up with monthly investing
Once wrapped accounts are maxed, run a systematic investment plan in a low-cost index fund.
- 4
Recheck every year
Inflation, job changes, and market moves all shift the target. Rerun this page every birthday.
Your toolbelt
These calculators, run together, answer the full question — not a slice of it.