Retirement income estimates
Turn savings data into a retirement income illustration
This page shows how an advisor can consolidate registered and non-registered savings, public pensions, and retirement-age assumptions to illustrate income and gaps from reviewed inputs.
Estimates and illustrations are computed using published CRA and Revenu Québec rules and parameters (2026). · Last updated 2026-06-18
Example scenario
A 52-year-old client wants to retire at 62 but is unsure whether to fund REER, CELI, debt repayment, or non-registered investments over the next decade. The advisor needs a clear side-by-side illustration of the trade-offs before the meeting.
Workflow steps
- Consolidate current savings, contribution room, income, liabilities, and retirement goals.
- Set retirement age, return and inflation assumptions, RPC/RRQ, and SV/OAS, then illustrate withdrawals.
- Review the estimated income, gaps, and withdrawal order, and document the trade-offs.
Expected outcome
The advisor can compare retirement ages, contribution order, and projected income gaps in one reviewed illustration.
FAQ
Can it compare REER and CELI funding order?
Yes. The page illustrates contribution order, taxable income, and future withdrawal trade-offs side by side so the advisor can review them.
Does it generate a client report?
The secure app can turn the reviewed assumptions and estimates into a professional report for the client meeting.
Related resources
This resource belongs to the Tax and registered-account estimates group. Compare the neighbouring resources:
Quebec and Canadian income tax estimates
This page illustrates a household tax profile and shows how an advisor can compare taxable income, eligible credits, and REER contribution scenarios from reviewed inputs.
REEE education savings in the household file
This page shows how REEE assumptions, family goals, cash flow, and review notes can be organized into the household file before a client meeting.
Insured annuity income illustration
This page explains the workflow for comparing annuity income, life-insurance cost, liquidity, estate value, and suitability questions from reviewed assumptions.
Prepare this workflow in AssureConcept
Use the secure application for real client files, reviewed documents, and advisor-ready reports.