First-Gen Retirement Calculator — Emotions + Math

Your retirement number

Start with a scenario that feels familiar, or enter your own numbers below.

I feel behind
Age 38, ready to look at the number for the first time
I'm juggling a lot
Age 45, contributing but not always intentionally
I'm ready to close the gap
Age 50, moving with intention now
Use your current income if unsure
Include in retirement if obligations continue
Include family support in my retirement income needs
RRSP + TFSA + pension current value
I expect to be eligible for CPP & OAS Uses 2025 estimates: average CPP of $900/mo and maximum OAS of $728/mo, both starting at age 65. If you retire before 65, the calculator accounts for the gap years automatically.


The cost of waiting — what each year of delay costs you at retirement

Driven by curiosity and built on purpose, this is where bold thinking meets thoughtful execution. Let’s create something meaningful together.