The simple calculator shows a net worth graph and table from now to when the youngest spouse turns 90. All values are in today's dollars.
The table returned by the simple calculator will show all values combined with the spouse if there is one. A graph of net worth is shown in today's dollars.
A consumption graph in today's dollars is shown to show where the money spent is coming from. Negative bars indicate deposits.
The full Money Ready App lets you change the order of deposit and withdrawal priorities in any year (in PRIORITIES).
It lets you enter REAL-ESTATE, LOANS of all types, and term LIFE-INSURANCE.
It lets you enter rates of return, interest rates and inflation for accounts, investments, and loans individually and for any date.
You can set different rates of inflation indexation for different incomes and expenses.
It calculates CPP, QPP, OAS, and GIS for you and the estimates will be much more accurate than here. It also considers pension income splitting, pension, age and many other tax credits, which is not done here.
If either you or your spouse qualify for the disability tax credit, you will be able to indicate that in your PROFILE.
If you have a CCPC, you will be able to indicate that in your PROFILE.
The MoneyReady App TIME MACHINE will give you detailed results and many graphs.