View Your Retirement Income Dashboard
See your projected retirement cash flow year by year.
What to do here: Drag the slider to any age to see monthly income. Switch to Detailed view for charts, year-by-year breakdowns, and full warnings.
The Income Dashboard brings your personal details, income sources, benefit timing, and household assumptions together into one visual projection. You can review a simple overview or switch to a detailed view to see individual income sources, spouse-level income, combined household income, and survivor-planning outcomes.
Your retirement income floor is more than one number. This dashboard helps you see how government benefits and private income sources may work together across time.
Start with Simple for the headline numbers. Switch to Detailed for charts and full breakdowns.
Drag to see how your monthly cash flow changes year by year.
Government benefits
OAS clawback — peak at age 100
GIS eligibility (age 66)
GIS opportunity — what to consider
Non-taxable cash flow note
Highlighted years marked on the annual income chart
- • CPP 65 — when CPP starts. Earlier = smaller monthly amount, later = larger.
- • OAS 65 — when OAS starts. Deferring past 65 grows it 0.6%/month.
- • RRIF 71 — RRSPs/LIRAs must convert by Dec 31; mandatory minimum withdrawals begin.
- • OAS +10% at 75 — automatic 10% OAS bump for everyone aged 75+.
- • Plan to auto — your planning horizon from the snapshot step.
- • ⚠ One-time taxable gain — a year where a rental sale or other large taxable event drives an OAS clawback.
Other years to review with the client: Age 65 · Age 71 · Age 75