We assume you want your retirement to
match your monthly lifestyle today. Here is the step-by-step math:
- Your monthly lifestyle × 12 = what one year of retirement costs today
- Grossed up for 25% tax — you will be spending before-tax dollars
- Inflated at 3% per year until your retirement age
- Multiplied by 25 — the 4% safe withdrawal rule
- 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.