Retirement Planning Calculator 2026 — USA & Canada

Retirement Plan

Current Age

Retirement Age

Current Savings

Annual Savings Contribution

Expected Annual Return

Desired Annual Retirement Income

Annual CPP + OAS (CA) / SS (US)

Safe Withdrawal Rate

Results

Projected Nest Egg

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Target Needed

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Surplus / Shortfall

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On Track?

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2026 Government Benefit Estimates

CPP Max 2026

~$1,433/month ($17,196/yr). Delayed to 70: +42% ($2,415/mo). Reduced from 60: -36%.

OAS 2026

~$727/month ($8,724/yr). Starts at 65. Clawed back above $90,997 income. Delay to 70 for +36%.

Social Security

Average $1,927/month ($23,124/yr) in 2025. Full retirement age: 67 (born 1960+). Delay to 70 for maximum benefit.

401(k) Limit 2026

$23,500 employee contribution. +$7,500 catch-up (50+). +$11,250 super catch-up (ages 60–63). Total with employer: $70,000.

Frequently Asked Questions

CPP break-even for delaying 65→70 is approximately age 82. If you expect to live past 82, delaying is usually better. At 70 you receive 42% more than at 65. If health is a concern or you need income early, taking at 65 or even 60 may be wise.

The 4% rule (Trinity Study, 1994, updated many times) found a 4% initial withdrawal rate adjusted annually for inflation has a 95%+ success rate over 30-year retirements. For early retirees with 40-50 year horizons, consider 3–3.5%. Morningstar's 2024 research suggests 3.7–4% remains reasonable.

⚠️ Projections assume constant returns. Monte Carlo simulation (FIRE calculator) gives a more complete picture.

Retirement Planning Calculator