快速入门
您可以通过五个步骤建立一个实用的初始计划
- 家庭： enter who the plan is for, dates of birth, retirement ages, planning ages 和 expected CPP/OAS or other income.
- 资产： enter RRSP/RRIF, TFSA, non-registered interest/GIC investments, non-registered capital-gains investments with ACB, cash 和 other registered savings. Optionally add your principal residence 和 compare keeping it, downsizing or selling 和 renting.
- 支出： enter annual Go-Go, Slow-Go 和 No-Go lifestyle spending plus major future expenses.
- 假设： review inflation, investment return, TFSA room, CPP/OAS ages 和 retirement-confidence defaults.
- 结果： start with the Retirement Action Center, then review retirement confidence, charts, stress tests 和 the year-by-year report.
第 1 步
Household: tell the planner who 和 when
The Household tab establishes the timeline 和 retirement income available to each person. For couples, enter both people because retirement dates, benefit timing, longevity 和 RRIF rules can differ.
出生日期
Used to calculate age in each projection year 和 determine when CPP, OAS 和 RRIF-related rules apply.
退休年龄
The age when that person stops earning the pre-retirement income modeled by the planner 和 begins the retirement drawdown period.
规划至年龄
您的寿命假设。应选择一个能给计划提供合理安全余量的年龄，而不是把平均预期寿命视为确定的终点。
CPP 和 OAS
If you have estimates from Service Canada, enter them. If not, the optional detailed estimator can create planning estimates from earnings 和 Canadian residence history.
可选的详细 CPP 与 OAS 估算器
展开 根据您的历史记录计算 CPP 和 OAS 当您希望获得更详细的估算，而不是手动输入福利金额时。
CPP 历史
输入可用年份中的年度可计养老金就业或自雇收入。超过模型 CPP 上限的收入不会使估算超过适用的最高可计养老金收入。适用时请标记育儿排除年份。
OAS 居住历史
Enter the date Canadian residence began after age 18 和 add periods outside Canada that should not count toward residence. The estimator uses completed years of Canadian residence for partial OAS planning estimates.
第 2 步
资产：输入您目前拥有的资产
请分别输入当前余额，因为不同账户的税务处理不同。
| 账户 | 为什么重要 |
|---|---|
| RRSP / RRIF | Withdrawals are generally taxable. The planner models RRSP-to-RRIF transition 和 mandatory RRIF withdrawals. |
| TFSA | Investment growth 和 withdrawals are modeled tax-free. Available TFSA room can also receive modeled contributions from RRIF surplus or non-registered assets. |
| 非注册账户 — 利息 / 收入 | Use for savings accounts, GICs, term deposits 和 similar holdings. Modeled interest is included in taxable income every year, even when it remains invested. Withdrawals of the already-taxed balance do not create a second tax. |
| 非注册账户 — 资本收益 | 用于主要按递延资本增值建模的投资。请输入当前市值以及总调整成本基础（ACB）。当投资组合存在未实现亏损时，ACB 可能高于市值。 |
| 现金 | 提供即时流动性。使用现金本金时不征税；您输入的任何收益率均按每年应税利息处理。 |
| 其他注册储蓄 | 用于应纳入预测的其他注册退休储蓄。 |
退休后的 TFSA 补充目标
安全储备的处理方式： the withdrawal strategies use cash first, then the non-registered interest/income bucket, before selling market-sensitive capital-gains investments. In Monte Carlo 和 market stress tests, the market-return shock applies to the market-sensitive accounts while the interest/GIC return remains at the assumption you entered. This lets the plan represent a 更低-return safety bucket that can help avoid selling market investments after a decline.
If you set an annual TFSA target, the model first uses excess after-tax cash created by mandatory RRIF withdrawals. If more TFSA funding is needed, it uses non-registered interest/income investments before selling capital-gains investments. All transfers are limited by available TFSA room 和 account balances. New money contributed to the TFSA participates in future modeled TFSA investment growth.
第 2 步可选
住房策略规划器
展开 住房策略规划器 when you want your principal residence included in retirement decisions. The feature is optional; when it is turned off, the planner behaves as before 和 considers only the financial accounts you entered.
保留现有住房
The home continues to appreciate at the rate you enter. Home equity is included in net worth 和 the estimated estate, while current ownership costs continue through the projection.
在 X 岁换小房
The model sells the current home at the downsize age you enter, deducts the mortgage, selling costs 和 moving costs, buys the replacement home, deducts estimated buying/closing costs 和 invests any remaining proceeds in the non-registered portfolio.
Sell 和 rent at age X
The model sells the home at the separate sell-and-rent age you enter, deducts the mortgage 和 transaction costs, invests the net proceeds 和 replaces ownership costs with the annual rent 和 rent-inflation assumptions.
住房成本是否已包含在支出中？
选择 已包含 当您的 Go-Go / Slow-Go / No-Go 支出已经包含当前住房成本时选择此项。规划工具随后只会加入换小房或租房带来的差额，避免重复计算。
释放出来的住房净值会怎样处理？
Net proceeds released by downsizing or selling are added to the modeled non-registered investment account. The amount added becomes new adjusted cost base, so the planner does not create an artificial capital gain on the sale proceeds themselves. Future investment growth 和 withdrawals then follow the normal taxable-investment rules in the planner.
主要住宅如何进行税务处理
The housing model assumes the property qualifies as the household's principal residence for the full ownership period. Under that assumption, no capital-gains tax is applied to the home sale or to principal-residence value included in the estate. A disposition still has tax-reporting requirements, 和 partial rental/business use or other circumstances can reduce the exemption.
如何阅读住房策略比较
On Results, the selected housing strategy receives the full Monte Carlo 和 safe-spending analysis. Alternative housing strategies are re-optimized 和 run through a smaller quick comparison so you can see the direction 和 approximate size of the effect without making the page excessively slow. Select an alternative strategy in Step 2 和 recalculate when you want its full confidence analysis.
第 3 步
支出：模拟退休生活随时间的变化
规划工具把生活方式支出分为三个阶段。请输入按今日币值计算的金额；预测会自动应用通胀。
活跃期
Typically the active early-retirement years, when travel, hobbies 和 discretionary spending may be highest.
放缓期
A later phase when discretionary activity 和 travel may decline.
低活动期
The later-life spending phase. Do not assume costs disappear—housing, care 和 other needs can remain significant.
未来支出
Add known large expenses such as a vehicle, renovation, family support or major travel. Enter the total amount, starting year 和 number of years over which it should be spread. Keep 金额按当前币值计算 当您希望自动应用通胀时选择。
第 4 步
假设：设定经济环境
假设可能显著改变结果。不要仅为了让计划看起来更好而选择过于乐观的数值。
| 设置 | 如何使用 |
|---|---|
| 通胀 | Raises modeled spending, indexed benefits 和 other inflation-sensitive amounts over time. |
| 市场投资回报率 | The long-term nominal return for RRSP/RRIF, TFSA, other registered savings 和 non-registered capital-gains investments. It is also the centre of the Monte Carlo market-return distribution. |
| 利息 / 收益投资回报率 | Expected annual interest for the non-registered savings/GIC bucket. This return stays stable in Monte Carlo simulations 和 the interest is taxable annually. |
| 现金储备回报率 | 现金的预期年利率。无息现金请使用 0%；模型中的任何利息每年都计入应税收入。 |
| 优化目标 | Choose a balanced result, 更低 lifetime tax or larger after-tax estate emphasis. |
| 家庭税务优化器 | For couples, leave this enabled to test eligible pension-income allocations of up to 50% each year. The model keeps a split only when it 更低s combined estimated income tax 和 OAS recovery tax. CPP 和 OAS are not treated as splittable pension income. |
| 65 岁起的 RRIF 形式提款 | When enabled, the model may assume an age-65+ RRSP withdrawal is first transferred to a RRIF 和 then withdrawn when that creates eligible pension income. This is an implementation step that must actually be arranged with the financial institution. |
| 预计年度 TFSA 额度 | 用于未来 TFSA 额度的规划假设。实际未来限额可能不同。 |
家庭税务优化器如何工作
The tax engine starts with 2026 federal 和 provincial/territorial tax brackets 和 standard retirement credits. It models the basic personal amount, age amount, pension income amount, standard spouse amount 和 transferable unused age/pension amounts where applicable, plus selected province-specific items. For a couple, each projected year is evaluated with no split 和 with legal eligible pension-income allocations; the 更低 household tax/OAS-recovery-tax result is used.
退休置信度默认设置
如果不确定，请保留默认设置。 年度市场波动率 控制模拟投资回报的波动幅度。 市场模拟次数 控制测试多少条可能的市场路径。 安全支出置信度目标 控制估算可持续生活支出时采用的成功目标。
第 5 步
结果：先看整体情况
The result cards summarize the optimizer's selected strategy. Review whether planned spending is fully funded, lifetime estimated tax, ending net worth 和 the after-tax estate estimate. For couples, the Household tax optimizer section then compares the selected plan with the same plan without pension-income splitting 和 explains the first recommended allocation. If housing is enabled, review the Housing strategy comparison next to see the effect of keeping the home, downsizing or selling 和 renting. Then use the charts 和 tables to understand how the result is produced.
结果页先看这里
退休行动中心：把计算转化为实际下一步
The Retirement Action Center is designed for people who do not want to interpret every chart or simulation first. It combines the deterministic projection, Monte Carlo confidence result, safe-spending estimate 和 stress tests into three plain-language questions.
1. 我的计划是否稳健？
This summarizes whether the base projection funds your spending 和 whether the Monte Carlo success rate reaches the confidence target you selected.
2. 我现在应该做什么？
如果计划达到目标，工具会说明目前无需立即调整。若低于目标，它会量化模型建议的支出调整，或指出最相关的改进方向。
3. 如果市场发生变化怎么办？
This is your spending guardrail. After a major market move, update the current balances 和 re-run the planner. If confidence falls below your target, the tool shows the spending level to move toward until the plan recovers.
增强计划的方法
Expand this section to see tested options such as the safe-spending adjustment, a quick retirement-delay check, housing-strategy impact, TFSA funding priorities 和 stress-test areas that need attention.
年度退休行动计划
展开 年度退休行动计划 to see the first 10 retirement years in a human-readable format. Each row shows planned spending, estimated tax 和 the main modeled actions—for example using CPP/OAS income, withdrawing from RRSP/RRIF, moving available surplus into TFSA, or using taxable investments 和 cash.
Retirement Readiness Score 和 privacy-safe sharing
置信度分析完成后，“结果”选项卡会把四项既有结果合并为一个透明的 100 分退休准备度评分。该评分不会改变任何底层退休计算，只是对它们进行汇总。
50 分：退休置信度
当蒙特卡洛成功率达到您选择的置信目标时获得满分。低于目标时，此部分按比例减少。
20 分：支出缓冲
比较模型估算的安全 Go-Go 支出与当前输入的 Go-Go 支出。满分表示安全支出估算能够覆盖输入金额。
20 分：压力测试
五项压力测试对该部分的贡献相同。
10 分：基础预测
当确定性预测能够覆盖整个所选规划期的计划支出时获得满分。
The privacy-safe share link 和 PNG image deliberately omit balances, names, birth dates, province, account values 和 detailed tax amounts. The share link stores only the high-level summary in the URL fragment; this feature does not upload the detailed retirement plan.
退休置信度：蒙特卡洛结果代表什么
该部分 回报顺序风险分析 默认折叠。需要更深入的风险分析时可将其展开。
计划成功概率
如果结果显示 90%，意味着约 100 条模拟市场路径中有 90 条能够在整个规划期内完全为计划提供资金。这并不意味着现实中有保证的 90% 成功概率。
税后遗产中位数
The middle simulated estate outcome: half the modeled paths finish above it 和 half finish below it.
第 10–90 百分位范围
这是从较弱到较强的一组广泛模拟结果。第 10 百分位可作为下行情景参考；第 90 百分位表示市场表现较强的结果。
活跃期安全支出
The estimated Go-Go spending amount that reaches your selected confidence target while preserving the relative Slow-Go 和 No-Go pattern 和 keeping fixed future expenses in the plan.
蒙特卡洛图表
The shaded range shows modeled 10th-to-90th percentile net worth by year 和 the centre line shows the median path. Hover over the chart for year-specific amounts.
打开 用简单语言解释结果 以获得针对您的成功率、遗产范围、安全支出估算，以及启用时住房决策的个性化解读。
压力测试：问自己“如果退休比预期更艰难怎么办？”
展开 对计划进行压力测试 可查看五个有意设置得较困难的情景。这些测试不是预测未来，而是显示所选计划对特定风险的敏感程度。
| 压力测试 | 它回答的问题 |
|---|---|
| 退休时市场下跌 30% | 计划能否承受在开始提款时发生的重大亏损？ |
| 五年低回报 | 如果市场不是一次暴跌，而是连续多年表现不佳会怎样？ |
| 生活支出增加 15% | How much room is there if ongoing spending is 更高 than planned? |
| 多活五年 | 资产能否为每位家庭成员多支持五年？ |
| 10 万加元意外支出 | 计划是否有足够缓冲应对一笔重大意外支出？ |
每张压力测试卡都包含一个 解释此结果 section. Open it for a simple explanation of why the test matters, the effect on your estate 和 what you might change if it produces a shortfall.
逐年退休报告
This table is the detailed audit trail of the projection. Each row shows one year of spending, CPP, OAS, other income, account withdrawals, RRIF minimums, TFSA funding, estimated tax, remaining balances and, when housing is enabled, home equity 和 the year a housing transaction occurs.
当您希望了解以下内容时使用表格 何时 money is moving rather than only looking at the final result. For example, you can see years when a mandatory RRIF withdrawal is larger than spending needs 和 part of the excess is directed to available TFSA room.
您也可以下载完整 CSV 表格进行自己的分析。
下载完整退休计划 PDF
使用 下载 PDF on the Results tab to create a shareable report. The PDF is always generated in light mode 和 includes:
- cover page with the tool name, website 和 generation date/time;
- Household, Assets, optional Home & Housing, Spending 和 Assumptions inputs;
- 使用时的详细 CPP/OAS 历史；
- result summary 和 charts;
- Retirement Action Center with priorities 和 first retirement actions;
- retirement-confidence 和 Monte Carlo information;
- stress-test 和 alternative-strategy results;
- 完整逐年表格；
- methodology 和 limitations.
The filename includes the tool name 和 generation timestamp so different versions of a plan are easier to keep organized.
Saving, privacy 和 optional cloud sync
您的计划首先存储在本设备本地。无需创建账户即可使用规划工具。
Create an account only if you want a cloud copy for access from another device. The planner compares local 和 cloud versions at startup or sign-in when necessary. After that, local changes save locally first 和 synchronize to the server.
一次只能有一台设备登录云同步。在另一台设备上登录会使之前的云会话失效，但之前设备上本地保存的计划仍会保留。
Export 和 import
使用 导出 保存计划的 JSON 副本，并 导入 用于恢复副本。这可以作为额外备份，也适用于您不想使用云同步的情况。
常见问题
如何理解规划工具
我是否应该不断修改所有假设，直到计划通过？
No. Assumptions should reflect your best reasonable estimate, not the result you want to see. If a plan is weak, changing retirement age, spending, savings or major future expenses is usually more informative than simply assuming 更高 returns.
在“结果”选项卡中我应该先看什么？
Start with the Retirement Action Center. It translates the full calculation into plan health, the most useful next action, a market-change spending guardrail, ways to strengthen the plan 和 the first 10 years of modeled retirement actions.
我应该设定多高的成功概率目标？
There is no universal correct percentage. The default provides a useful planning benchmark, but the right target depends on flexibility, guaranteed income, spending needs, legacy goals 和 willingness to adjust later. Treat the result as decision support, not a pass/fail certification.
Why can delaying CPP or OAS change taxes 和 estate value?
Benefit timing changes both the amount 和 timing of taxable government income. That can alter how much must be withdrawn from RRSP/RRIF, TFSA 和 non-registered accounts in different years.
为什么在 RRIF 年龄前额外提取 RRSP 可能有帮助？
A planned earlier withdrawal can sometimes smooth taxable income 和 reduce a much larger registered balance later, when mandatory RRIF withdrawals or terminal tax could otherwise be 更高. The optimizer compares multiple approaches because the best outcome depends on the household.
为什么养老金收入分割可能降低家庭税负？
Eligible pension income can generally be allocated between spouses for tax purposes, subject to the applicable rules 和 the 50% limit. This can reduce combined tax when spouses face different marginal rates, age/pension credits or OAS recovery-tax exposure. The planner tests the split annually 和 leaves income unsplit when splitting is not beneficial.
为什么规划工具可能在 65 岁后使用 RRIF？
For a taxpayer age 65 or older, qualifying RRIF income can be eligible for the pension income amount 和 pension-income splitting, while a plain RRSP lump-sum withdrawal generally is not. When the option is enabled, the planner may model a partial RRSP-to-RRIF transfer before withdrawal where it improves the result.
Why does TFSA funding sometimes come from RRIF 和 sometimes from non-registered investments?
When a mandatory RRIF withdrawal creates excess after-tax cash, that surplus is used toward the annual TFSA target first. The remaining target uses interest/income investments before capital-gains investments, subject to modeled TFSA room 和 available balances.
这是财务、税务或投资建议吗？
No. The planner is an educational projection. Canadian tax 和 benefit rules, investment taxation 和 personal circumstances are more complex than any general-purpose calculator can fully reproduce.
官方参考资料