What's New in the Calculator

Stress Test Your Retirement Plan

Built-in Stress Scenarios

Test your plan against real-world risks with a single click: higher inflation, lower market returns, a longer life, reduced government benefits, rising healthcare costs, and more. Each scenario runs on a copy of your plan, so your core inputs are never changed.

Runs on Every Calculation

Stress tests run automatically whenever you calculate, so you always see how resilient your plan is — no extra steps to remember. The results appear right alongside your projection.

Your Selections Are Remembered

The scenarios you choose are saved with your scenario file, so your stress-test setup is ready when you come back or share your plan with someone else.

See the Impact Clearly

Side-by-Side Comparison

For every scenario, see how five outcomes change versus your baseline: depletion age, final portfolio value, lifetime taxes, average tax rate, and the sustainable income your plan supports. Red highlights what hurts; green shows what helps.

Visual Comparison Chart

An interactive chart compares each scenario's outcomes at a glance, so you can quickly spot which risks matter most to your plan.

Ranked by Impact

Scenarios are ordered by how much they affect your plan, so the biggest risks rise to the top instead of getting lost in a list.

Plain-Language Explanations

Every scenario includes a 'More info' explanation written in everyday language — no finance background required to understand what each test does.

Tailor Tests to Your Situation

Adjust Any Scenario

Fine-tune the parameters of any built-in test to match your own expectations, or reset it to its defaults when you want to start over.

Build Your Own Stress Test

Model a risk that isn't in the catalog — give it a name, choose a category, and set your own parameters. Your custom tests run exactly like the built-ins.

Turn a Test Into Your Plan

When a stress test reveals a change you want to keep — like retiring a year later — apply it to your core scenario in a single click.

Export and Share

Stress Tests in Your Reports

Your stress-test results are now included in PDF and Excel exports, so you can share a complete, honest picture of your plan with a financial advisor.

Learn More

New Stress-Testing Guide, FAQ & Article

A bilingual step-by-step guide, a new FAQ category, and an in-depth article help you understand what stress testing is and how to get the most from it.

Language

Improved French Translations

Additional translation improvements across the new stress-test features and throughout the calculator.

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Earlier Enhancements — v1.1.0 (May 2026)

Redesigned Results Dashboard

Your retirement projection now shows a clear headline verdict, actionable insight cards, and detailed data in a clean three-tier layout. Instantly understand what your numbers mean without digging through tables.

Year-by-Year Audit Trail

A detailed breakdown for every year of your retirement showing exactly how each account grows, what you contribute, and where withdrawals come from. Includes a 47-term financial glossary so every label is clear.

Per-Account Growth & Contributions

See growth and contributions broken down by account — RRSP, TFSA, FHSA, Cash, Workplace Pension, LIF — for every year of your plan.

Income Safety Margin

Now clearly labeled 'Income Safety Margin' everywhere — your projected income buffer against unexpected expenses.

Detailed Budget Builder

Plan your spending across three life phases: pre-retirement, transition, and retirement. Toggle each phase on or off depending on your planning needs.

Budget Excel Export

Export your detailed phase-by-phase budget to Excel for further planning offline.

Guided Data Gathering Checklist

A checklist shows you exactly what information to collect before starting. Items auto-check as you fill in the form, with impact badges (High / Medium / Low) so you focus on what moves the needle.

Progress Indicators

Green checkmarks appear on tabs as you complete them. A banner lets you know when you've entered enough data to calculate.

Smart Defaults

Form fields show example values as hints (e.g., 'e.g., $65,000') instead of pre-filled numbers. A 'Clear All Fields' button lets you start fresh.

Tooltips on Every Button

Hover over any button or control to see a short explanation. No more guessing what something does.

Simpler 5-Step Workflow

The workflow was reduced from 7 steps to 5: Prepare → Define → Results → Export → Next Steps. Scenarios are now managed from a compact toolbar instead of a separate step.

Horizontal Tab Layout with Inline Checklist

The Define step now uses horizontal tabs with a left-column checklist that tracks your progress as you go.

Collapsible Sections

Collapse sections you've already filled out to stay focused on what remains.

Context Bar

A persistent bottom bar shows your active section and budget group labels at a glance.

Sticky Section Headers

Section labels and Person A headers stay visible as you scroll.

Single/Couple Mode Awareness

Couple-only fields (GIS, survivor budget) automatically hide when you're planning for one person.

Enhanced PDF and Excel Reports

Exports now include richer detail, improved formatting, and the new budget breakdown data.