🏆 GMFSI Premium Planning Tool

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 Report

Prepared For

Client Email

A copy is also sent to info@gmfsi.ca.

Scenario Name

Report Date

Personal & Planning Inputs

Planning Horizon

Enter your age using your preferred method

Current Age Date of Birth

Current Age

Enter your age in years.

Date of Birth

We’ll calculate your current age automatically.

Target / Retirement Age

Life Expectancy / End Age

Used when projecting retirement income to a chosen age.

Savings Inputs

Accumulation

Current Savings / Starting Amount

Recurring Contribution

Contribution Frequency

Annual Contribution Increase (%)

Future Lump Sum Addition

Lump Sum Added At Age

Growth & Inflation Assumptions

Projection Rates

Expected Annual Rate of Return (%)

Compounding Frequency

Inflation Mode

Inflation Rate (%)

Retirement Income Assumptions

Income Planning

Retirement Payout Return Assumption

Retirement Duration

Income Style

Primary Display

Choose whether retirement income is shown in future or today’s dollars.

Projection Snapshot

Review your accumulation outlook, inflation-adjusted purchasing power, and the potential income your portfolio may help support in retirement.

Advisor-Style Estimate

Projected Value

Estimated portfolio value at retirement.

Total Contributions

Your savings plus all planned additions.

Growth Earned

Estimated investment growth over the projection period.

Inflation-Adjusted Value

Approximate value in today’s dollars.

Estimated Retirement Income

Based on your selected retirement payout settings.

Years Until Target Age

Time available for growth and ongoing contributions.

Growth Trajectory

Projected accumulation over time

Future dollars Today’s dollars

Age 40 to 65

Retirement Income View

Withdrawal Estimate

Annual income Estimated amount per year

Monthly income Estimated amount per month

$0.00

Income period 20 years

4.0%

Inflation perspective: Today’s purchasing power is shown to help you compare future dollars with what they may feel like in today’s terms.

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

Conservative, balanced, and growth-oriented views

Conservative 4%

Projected value at target age

Income estimate: $0

Today’s dollars: $0

Balanced 6%

Projected value at target age

Income estimate: $0

Today’s dollars: $0

Growth 8%

Projected value at target age

Income estimate: $0

Today’s dollars: $0

Retirement Readiness

Building

Your readiness indicator will update with your assumptions.

Illustrative Projection Confidence

0% estimated likelihood of reaching at least 80% of the base projection.

Contributions vs. Growth

Contributions 0%Growth 0%

Inflation Impact

Future dollars

Today’s dollars

Risk Profile & Advisor Assumptions

Controlled Inputs

Risk Profile

Smart Planning Summary

Auto-Generated

Update your assumptions to generate a personalized planning summary.

Advisor Notes

Recommended Next Steps

Review current investments Increase regular contributions Maximize TFSA and RRSP Review tax efficiency Insurance and estate review Retirement income strategy review

Saved Scenarios

This Browser

No saved scenarios yet.

Assumptions & 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.

Book a Consultation Contact GMFSI

How to Use This Calculator

Use the planner to test assumptions, compare scenarios, save your work, and create a report for discussion with GMFSI.

Quick Guide

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.

Saved scenario location: scenarios are stored privately in this browser on this device. They do not transfer to another browser or device and may be removed if browser data is cleared.

Investment strategy

See where you are.
Choose where to go.

Adjust the allocations below to compare a prospect’s current position with a recommended target.

Tip: Each portfolio should total 100%. Charts update instantly as values change. Use “Normalize” to proportionally bring any total back to 100%.

Explore your options

Portfolio strategies

Hover or tap a chart segment to reveal its allocation.

Portfolio Allocation Tool

Investment strategy

See where you are.
Choose where to go.

Enter the dollar value of what you own today. The tool converts those holdings into percentages automatically, so you can compare them with a recommended target.

Start with dollar values.No percentage calculation is required for the current portfolio. The target portfolio remains percentage-based.

Today

Current Portfolio

Enter $ values

100%allocated

Total portfolio$0

Recommended

Target Portfolio

Enter % values

100%target total

Target total100%

Simple guide

Four steps. One clear comparison.

STEP 01

Enter current values

Type the current dollar value for each asset category. Enter zero when the client does not own that category.

STEP 02

Review the percentages

The current portfolio total and percentage allocation are calculated automatically as you type.

STEP 03

Set the target

Enter the recommended percentage for each category. The target should add up to exactly 100%.

STEP 04

Compare the mix

Use the two charts to discuss how the proposed portfolio differs from the client’s current holdings.

Illustrative planning tool only. A recommendation should reflect the client’s objectives, time horizon, risk tolerance, and circumstances.

Retirement Planning, Reimagined

See 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.

Could you retire earlier? Should you delay CPP or OAS? Which accounts should fund retirement first? How could your estate change over time?

Explore the Retirement Projection Centre

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.

CONTINUE YOUR FINANCIAL JOURNEY

Explore the Complete Financial Planning Centre

Retirement planning is one important part of your financial life. Discover additional planning strategies, calculators, educational resources and coordinated financial guidance designed to help you protect, grow and preserve your wealth.

Continue to the Financial Planning Centre