Future Value & Retirement Income Planner
Estimate how your savings could grow over time and explore the income your portfolio may generate in retirement.
Personalized Planning Report
Premium ReportPersonal & Planning Inputs
Planning HorizonSavings Inputs
AccumulationGrowth & Inflation Assumptions
Projection RatesRetirement Income Assumptions
Income PlanningProjection Snapshot
Review your accumulation outlook, inflation-adjusted purchasing power, and the potential income your portfolio may help support in retirement.
Growth Trajectory
Retirement Income View
Based on your current savings and contribution plan, your portfolio could grow meaningfully over time. Update the assumptions to explore how different return and income settings may affect your retirement outlook.
Scenario Comparison
Retirement Readiness
Your readiness indicator will update with your assumptions.
Illustrative Projection Confidence
Contributions vs. Growth
Inflation Impact
Risk Profile & Advisor Assumptions
Controlled InputsSmart Planning Summary
Auto-GeneratedAdvisor Notes
Recommended Next Steps
Saved Scenarios
This BrowserAssumptions & Important Planning Notes
These projections are hypothetical illustrations only and are not guarantees of future performance.
Investment returns may vary significantly over time, and inflation can reduce future purchasing power.
Estimated retirement income depends on future market returns, sequence of returns, fees, taxes, spending changes, and your withdrawal strategy.
This calculator is intended for educational and planning purposes and should not replace personalized financial advice.
Want a personalized retirement and investment strategy?
Book a consultation to review your savings, retirement goals, income needs, and the planning opportunities that may help keep your long-term strategy aligned.
How to Use This Calculator
Use the planner to test assumptions, compare scenarios, save your work, and create a report for discussion with GMFSI.
Enter your planning details
Add your current age, target retirement age, current savings, recurring contribution, and any planned future lump sum.
Choose reasonable assumptions
Select the expected return, inflation rate, contribution frequency, retirement payout return, and income period. Results update automatically.
Review the projection
Compare projected value, today’s purchasing power, total contributions, investment growth, and estimated retirement income.
Compare scenarios
Use the Conservative, Balanced, and Growth illustrations to see how different return assumptions may affect the outcome.
Save a scenario
Enter a scenario name and click Save Scenario. It appears in the Saved Scenarios section and can later be loaded or deleted.
Print, save as PDF, or email
Use Print / Save PDF for a branded report. Add the client’s email and click Email Results to send a copy to the client and GMFSI.
Request a Personalized Investment Strategy Review
Tell us about your current investments, financial goals, risk concerns, and planning priorities. We’ll review your information and help identify practical opportunities for growth, diversification, tax efficiency, and long-term wealth planning.
Let’s Understand Your Investment Priorities
Complete five short steps and we’ll prepare a focused review based on your accounts, approximate assets, current arrangements, investment objectives, concerns, and planning timeline.
About You
Provide basic information about the person or household requesting the review.
Current Investment Snapshot
Approximate information is fine. This helps us understand your current structure and level of complexity.
Investment Goals
Select any goals you would like incorporated into the review.
Concerns & Timing
Tell us what prompted the inquiry and what concerns you most.
Contact Details & Documents
Tell us how to reach you and optionally provide relevant investment documents.
✓ Request Received
Thank you. Your Investment Strategy Review request has been submitted successfully and will be reviewed shortly.
What Happens Next?
We assess your accounts, approximate assets, current arrangements, and planning timeline.
We clarify diversification, risk, fees, taxation, growth, and income-planning opportunities.
You receive clear guidance and practical next steps with no obligation.
Start With Your Financial Wellness Snapshot
Answer a few focused questions and receive an educational snapshot of your financial readiness across protection, retirement, investments, cash flow, estate planning and tax planning.
- ✓ Personalized score
- ✓ Suggested focus areas
- ✓ Confidential and educational
- ✓ No obligation
Your Financial Starting Point
Complete the assessment in just a few minutes.
Start My Wellness CheckSee Your Financial Future Before You Retire
Retirement planning is about more than reaching a savings target. Explore the kinds of personalized projections that can bring your retirement income, investments, taxes, CPP, OAS, real estate, insurance and estate objectives together in one coordinated picture.
Start on This Page
Discover how coordinated financial planning can help bring greater clarity to your retirement decisions.
Explore Retirement Projections
See examples of the income, taxation, cash-flow, net-worth and estate projections that may be considered.
Visit the Financial Planning Centre
Learn how retirement planning fits within a broader, coordinated financial strategy.
Begin With a Clarity Session
Discuss your goals, questions and priorities during a no-obligation 15-Minute Clarity Session.