How much do you actually
need to retire?

We assume you want your retirement to match your monthly lifestyle today. Here is the step-by-step math:

1. Your monthly lifestyle × 12 = what one year of retirement costs today
2. Grossed up for 25% tax — you will be spending before-tax dollars
3. Inflated at 3% per year until your retirement age
4. Multiplied by 25 — the 4% safe withdrawal rule
5. Your current portfolio and monthly investing both grow at 8% per year — the long-term return of broad-market equities

One thing we deliberately leave out: government benefits like CPP and OAS. How much they actually cover — and how to plan around them — is one of the first things we will unpack when Grow Nation opens. Estimates only, not financial advice.