FireTrac

Net Worth—

Readiness—

Retirement Year—

Income Gap—

Presets

Sections

One-Stop Snapshot

Net Worth—

Readiness—

Retirement Year—

Income Gap—

Key Outputs

High-level controls and live outputs. Use tabs for deep dives.

Net Worth

Projected Portfolio

Required Portfolio

Readiness

—

Retirement Year

—

Income Gap

Net Worth Snapshot

Total Assets

Total Debts

Home Equity

Portfolio Trajectory

Assets, Debts & Net Worth

Net Worth—

Total Assets—

Total Debts—

Home Equity—

Inputs

Liquid Assets

Cash

TFSA

RRSP

Unregistered

Gold

Illiquid Asset

Primary Residence (Market Value)

Debts

Credit Card

Car Loan

Mortgage

Other Debt

Totals

Total Assets

Total Debts

Home Equity

Net Worth

Retirement Readiness (Canada)

Projected—

Required—

Readiness—

Income Gap—

Inputs

Timing & Assumptions

Years to Invest (Manual)

Use manual years instead of ages

Return—

Inflation—

Withdrawal Rate—

CPP/OAS & Other Income

CPP Annual at 65 (today's dollars)

CPP Start Age

OAS Annual at 65 (today's dollars)

OAS Start Age

OAS Custom Age

Other Annual Income (today's dollars)

Projected retirement year: —

All amounts are in today's dollars, adjusted via the inflation input.

Outputs

Years to Retirement

Projected Portfolio

Required Portfolio

Readiness

—

Adjusted CPP

Adjusted OAS

Income Gap

Withdrawal Strategy (Ontario)

Gross Needed—

Tax Drag—

Net—

Avg Tax—

Inputs

Tax Assumptions

Tax Method

Province

Effective Tax Rate on RRSP/RRIF Withdrawals

Effective Tax Rate on Non-Registered Withdrawals

Non-Registered Taxable Fraction

Include Ontario Health Premium

Include Ontario Surtax

OAS Clawback Threshold (manual)

Target Taxable Income (for melt-down)

Strategy

Withdrawal Strategy

Non-Registered %

RRSP/RRIF %

TFSA %

This is a simplified tax model. Use your accountant or planner for final decisions.

Outputs

Gross Withdrawal Needed

Estimated Tax Drag

Avg Tax Rate

Net From Portfolio

Funding Horizon

—

Account	Annual Gross	After-Tax
Non-Registered	$0	$0
RRSP/RRIF	$0	$0
TFSA	$0	$0

Compound Growth Calculator

Future Value—

Inputs

Starting Balance

Contribution per Year

Rate of Return (annual)

Years

Compounding Frequency

Outputs

Future Value

Contributions are spread evenly across the year for compounding.

Projections

Net Worth—

Projected—

Required—

Income Gap—

Charts

Net Worth Projection

Portfolio vs Required

Income Gap Over Time

Withdrawal Mix (Annual)

Retirement Timeline

Today Age — Retire @ — CPP @ — OAS @ —

RRSP/RRIF Melt-Down Simulator

Lasts Until—

Ending—

Avg Tax—

Simulator Inputs

Year-by-year projection. This is a simplified model to compare strategies.

Start Age

End Age

RRSP/RRIF Balance

TFSA Balance

Non-Registered Balance

Expected Return (annual)

Inflation (annual)

Desired Annual Spend (today's dollars)

RRIF Start Age

Enforce RRIF minimum withdrawals

Strategy

Target Taxable Income

Simulator Outputs

Portfolio Lasts Until

—

Ending Portfolio

—

Avg Tax Drag

—

Age	RRSP	TFSA	Non-Reg	Withdrawals	Tax