Cross-Border Registered Retirement Calculator
Plan your retirement with precise taxation rules, matching benefits, and country-specific retirement pensions. Toggle between Canada (RRSP/TFSA/CPP) and the US (401k/Roth/Social Security).
Core Assumptions
Timeline Parameters30 to 65 yrs (35y saving)
Income & Salary Escalator
Returns & Inflation
Registered Savings (Canada)
Estimated Canadian Government Pensions
Max $762.50/mo at 65-74 (Oct-Dec 2026). Recovery tax claws back 15% of net income above $93,454 (2025 income); fully recovered at $152,062.
Retirement Spending Goals
Calculates your retirement spending as 70% of your final pre-retirement salary (highly recommended as a benchmark).
The target capital required at age 65 using the standard 4% Safe Withdrawal Rule after offset by pensions (in today's dollars).
Your estimated total savings portfolio at retirement age 65 (displayed in today's dollars).
You have built a perpetual nest egg!
PORTFOLIO TRAJECTORY BY ASSET TYPE
Chronological growth up to age 65 and subsequent drawdown behavior to 90.
CONSIDER INCREASING CONTRIBUTIONS
Currently, you are projected to amass $1,380,762 at age 65, which is below your baseline target expectation of $1,500,648. Try increasing your savings by $150-200/month or adjusting retirement age to 67 to leverage compound matching.
Detailed Ledger View
| Age | Traditional (RRSP/401k) | Roth (TFSA/IRA) | Taxable | Total Net Worth | Year Cash Flow |
|---|---|---|---|---|---|
| 30 | $35,000 | $25,000 | $10,000 | $70,000 | +$0 |
| 31 | $44,417 | $31,625 | $12,287 | $88,329 | +$14,579 |
| 32 | $54,159 | $38,445 | $14,642 | $107,245 | +$14,314 |
| 33 | $64,245 | $45,469 | $17,069 | $126,783 | +$14,055 |
| 34 | $74,693 | $52,711 | $19,573 | $146,977 | +$13,802 |
| 35 | $85,523 | $60,184 | $22,158 | $167,865 | +$13,555 |
| 36 | $96,757 | $67,900 | $24,828 | $189,485 | +$13,314 |
| 37 | $108,415 | $75,873 | $27,589 | $211,877 | +$13,078 |
| 38 | $120,521 | $84,117 | $30,445 | $235,083 | +$12,848 |
| 39 | $133,097 | $92,648 | $33,402 | $259,147 | +$12,623 |
| 40 | $146,168 | $101,481 | $36,464 | $284,114 | +$12,403 |
| 41 | $159,761 | $110,633 | $39,639 | $310,032 | +$12,188 |
| 42 | $173,902 | $120,119 | $42,931 | $336,952 | +$11,979 |
| 43 | $188,619 | $129,959 | $46,347 | $364,925 | +$11,774 |
| 44 | $203,941 | $140,171 | $49,893 | $394,005 | +$11,574 |
| 45 | $219,900 | $150,774 | $53,576 | $424,250 | +$11,379 |
| 46 | $236,527 | $161,788 | $57,403 | $455,718 | +$11,189 |
| 47 | $253,856 | $173,236 | $61,382 | $488,473 | +$11,003 |
| 48 | $271,922 | $185,137 | $65,520 | $522,579 | +$10,821 |
| 49 | $290,762 | $197,517 | $69,825 | $558,104 | +$10,644 |
| 50 | $310,414 | $210,399 | $74,307 | $595,120 | +$10,471 |
| 51 | $330,872 | $223,808 | $78,972 | $633,653 | +$10,258 |
| 52 | $352,165 | $237,772 | $83,832 | $673,769 | +$10,037 |
| 53 | $374,334 | $252,316 | $88,895 | $715,545 | +$9,821 |
| 54 | $397,423 | $267,471 | $94,172 | $759,066 | +$9,609 |
| 55 | $421,478 | $283,267 | $99,672 | $804,417 | +$9,402 |
| 56 | $446,546 | $299,735 | $105,408 | $851,690 | +$9,200 |
| 57 | $472,679 | $316,908 | $111,391 | $900,978 | +$9,002 |
| 58 | $499,928 | $334,822 | $117,632 | $952,382 | +$8,808 |
| 59 | $528,347 | $353,511 | $124,145 | $1,006,004 | +$8,619 |
| 60 | $557,996 | $373,015 | $130,943 | $1,061,953 | +$8,433 |
| 61 | $588,932 | $393,371 | $138,038 | $1,120,342 | +$8,252 |
| 62 | $621,220 | $414,623 | $145,447 | $1,181,291 | +$8,074 |
| 63 | $654,925 | $436,814 | $153,184 | $1,244,923 | +$7,900 |
| 64 | $690,115 | $459,988 | $161,265 | $1,311,368 | +$7,730 |
| 65 | $726,863 | $484,193 | $169,706 | $1,380,762 | +$7,564 |
| 66 π΄ | $743,221 | $495,090 | $108,045 | $1,346,356 | -$64,167 |
| 67 π΄ | $759,947 | $506,232 | $44,996 | $1,311,175 | -$64,167 |
| 68 π΄ | $755,441 | $517,624 | $0 | $1,273,066 | -$66,294 |
| 69 π΄ | $699,775 | $529,274 | $0 | $1,229,049 | -$71,210 |
| 70 π΄ | $642,856 | $541,185 | $0 | $1,184,041 | -$71,210 |
| 71 π΄ | $584,657 | $553,364 | $0 | $1,138,021 | -$71,210 |
| 72 π΄ | $525,147 | $565,818 | $0 | $1,090,965 | -$71,210 |
| 73 π΄ | $464,299 | $578,551 | $0 | $1,042,850 | -$71,210 |
| 74 π΄ | $402,081 | $591,571 | $0 | $993,652 | -$71,210 |
| 75 π΄ | $338,462 | $604,885 | $0 | $943,347 | -$71,210 |
| 76 π΄ | $273,412 | $618,498 | $0 | $891,910 | -$71,210 |
| 77 π΄ | $206,898 | $632,417 | $0 | $839,315 | -$71,210 |
| 78 π΄ | $138,888 | $646,649 | $0 | $785,537 | -$71,210 |
| 79 π΄ | $69,346 | $661,202 | $0 | $730,548 | -$71,210 |
| 80 π΄ | $0 | $674,639 | $0 | $674,639 | -$70,893 |
| 81 π΄ | $0 | $630,235 | $0 | $630,235 | -$58,392 |
| 82 π΄ | $0 | $584,831 | $0 | $584,831 | -$58,392 |
| 83 π΄ | $0 | $538,406 | $0 | $538,406 | -$58,392 |
| 84 π΄ | $0 | $490,935 | $0 | $490,935 | -$58,392 |
| 85 π΄ | $0 | $442,397 | $0 | $442,397 | -$58,392 |
| 86 π΄ | $0 | $392,766 | $0 | $392,766 | -$58,392 |
| 87 π΄ | $0 | $342,018 | $0 | $342,018 | -$58,392 |
| 88 π΄ | $0 | $290,128 | $0 | $290,128 | -$58,392 |
| 89 π΄ | $0 | $237,071 | $0 | $237,071 | -$58,392 |
| 90 π΄ | $0 | $182,819 | $0 | $182,819 | -$58,392 |
* Real dollars values represent the purchasing capability of current cash, discounted at the inflation rate of 2.2%.
Understanding Cross-Border Retirement Differences
Different countries have different tax structures, penalty systems, and government benefit timelines. Read below to maximize your strategy.