Are you on track? Project your nest egg, benchmark it against Canadian medians, and translate it into annual retirement income.
| At a 4% withdrawal rate | $— /yr |
| Plus max CPP + OAS (2026, at 65) | $— /yr |
| Rough total retirement income | $— /yr |
Net worth includes home equity, so it runs higher than pure retirement savings — treat it as an upper benchmark, not a target.
Compound growth on current savings plus end-of-year contributions. The 4% rule is a rough sustainable-withdrawal guideline from US research — not a guarantee, and it ignores taxes (RRSP withdrawals are fully taxable). CPP+OAS uses 2026 maximums at 65 ($1,507.65 + $742.31/month); most people receive less.
