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Annual Retirement Income Calculator
Canadian Tax and
Financial Information

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Annual Withdrawals From Investments 
Yellow cells can be changed - results are calculated automatically once you press enter.
Input the first number of years, others will be in 5-year increments.
Where the rate of return row and # of years column intersect shows annual withdrawal amount.
Assumes withdrawals are made at the end of each year.
No allowance is made for inflation.
Investment market value at start of retirement   
% Rate of
Years the money will last until investments drawn down to zero
Annual withdrawal amount - before any applicable income tax
After-tax amount will depend on type of income and province of residence.
Part of income will be non-taxable withdrawal of capital when investments are being cashed out - only 50% of the capital gains will be taxed.
See our articles: How Much Money Do You Need To Retire?
Historical Investment Returns on Stocks, Bonds, T-Bills
Use the Canadian Tax Calculator to estimate your taxes.

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Revised: March 17, 2022

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