“I have this much saved, I want it to last until this age — how much can I take out each year?” This tool solves that in real, after-tax dollars: the maximum inflation-indexed withdrawal your portfolio can sustain, the year-by-year balance, a plain depletion verdict, and how the answer shifts if returns come in a point higher or lower. Account-type aware, because where the money sits changes how much you keep.
This tool is for illustration purposes only and does not constitute financial or tax advice. It is a deterministic straight-line projection — constant return and inflation, no market volatility or sequence-of-returns risk — and models portfolio drawdown only (no CPP, OAS, pension income, or OAS clawback). Actual results will vary with markets, tax rules, and individual circumstances. Consult a qualified professional before making decisions.