Use whole numbers (integers) everywhere, except Work Start Age which can have one decimal.
Acts as if your birthday is on January 1st. This is to avoid doing partial / ratio calculations everywhere.
You can back-date your start age to capture fractional years worked.
E.g. Born Aug 2000. Start work Mar 2025. Quit Oct 2050. Put End Age as 50, Start Age as 24.4 to capture the extra 7 months (50 - 24.4 = 25.6).
Approximating with whole years is fine too.
Only considers your governement career. E.g. CPP contributions from other jobs are excluded.
All simulation values are in 2025 amounts. Inflation / indexing is not done.
Assumes average top 5 salary will be above CPP limit (~$65,000).
Will underestimate taxes if your retirement income is over $150,000 (consider donating to my patreon).
Will underestimate taxes in any year you have no pension income and are over 65.
CPP calculation will not science your "enhanced contribution" ratio. Amounts will likely be higher the further you are from retirement in 2025.
Does not consider any spousal incoming-splitting tax shenanigans, nor implications from personal income sources.
The data sent to the clipboard should be paste-able into Excel.
Max Top-5 Salary (approx) for 2025: IT-2 $98750 | IT-3 $118350 | IT-4 $135750
Work Start Age
Work End Age
Avg 5 Best Salary
Pension Plan
Pre-2013
Pension Start Age
OAS Start Age [65 - 70]
CPP Start Age [60 - 70]
Enhance!
To Clipboard
Age
Net Income
Bi-Weekly
CPP
OAS
Pension
Bridge
Gross Income
Taxes