✓ Verified math — proven against independent references and last checked September 1, 2026; the full proof is under "How this is figured," below the results.
From today’s savings and contributions to the nest egg at retirement — and how long it sustains the lifestyle. A clean sketch for the planning conversation; the plan itself belongs to you and your advisor. Where property enters the picture — downsizing, borrowing instead of selling, unlocking equity — the financing half is this desk’s work. The unleveraged registered-account version of this question lives in the drawdown calculator.
Where property fits the plan — downsizing, borrowing instead of selling, or unlocking equity without disturbing the portfolio — this desk structures it with you.
Arrange a confidential introductionRamin Hallaji, Principal, licensed in British Columbia (BCFSA) and Alberta (RECA) — a private-client desk of Mortgage Guru Financial, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca · Legal & licensing · Privacy policy
Illustration only — not investment, tax, or financial-planning advice. Constant returns compounded monthly, contributions and withdrawals at month-end; ignores taxes, fees, inflation (treat the returns as after-inflation "real" figures to think in today’s dollars), and market ups and downs. Excludes CPP, OAS and pensions — those layers belong in the advisor’s full plan and only improve the picture. Private Wealth Financing arranges mortgage financing only.