Two quick tools, no signup, no spreadsheet. Move the sliders and get an honest read plus one next step.
Six quick questions. No signup, no numbers to look up, just an honest read on where you stand.
Question 1 of 6
Do you know roughly how much you’ll need to retire?
A quick self-check for reflection, not financial advice.
The size your savings need to reach before work becomes optional, and roughly when you’d get there. Freedom, not “retirement.”
At this pace, work becomes optional around age 77 (about 2068).
Adding $250/month pulls your freedom date forward about 5 years. Small, steady increases move it more than you’d think.
Uses the “25× rule”: once your investments reach 25× your yearly spending, a ~4% annual withdrawal can cover it indefinitely. Growth assumes ~5% a year after inflation. Coast means you already have enough that, even if you never saved another dollar, it grows to your freedom number by 65.
It leaves out CPP and OAS on purpose, for most Canadians those add roughly $15,000 to $22,000 a year from your 60s, which pulls your real freedom date earlier than this shows.
A rough estimate to start a conversation, not financial advice. Excludes taxes, CPP, OAS, and pensions.
How your net worth stacks up against other Canadians your age. No judgment, just the honest number.
Your age is the asset here, not the number. Open a TFSA or FHSA and automate one transfer this week, even $50 starts the compounding a house would.
Benchmark: median household net worth by age, estimated for 2026 from Statistics Canada Survey of Financial Security 2023 medians, indexed forward using StatCan’s Distributions of Household Economic Accounts (net worth +5.3% in 2025). Net worth includes home equity, which drives most of the median, renting isn’t “behind.” Not financial advice.