How Long Will My Money Last - Taylor Wealth Designers Ltd

How Long Will My Money Last?

See how many years your portfolio can fund your retirement spending. All amounts are shown in today's dollars.

Current portfolio value ($)

Current age

Annual spending (today's $)

Expected annual return (%)

Inflation (%)

Your money lasts until

What-if scenarios

Age	Withdrawal (today's $)	Year-end balance (today's $)

Market Uncertainty (Monte Carlo)

A fixed return hides the biggest risk in retirement: the order of returns. A bad market early in retirement hurts far more than a bad market later. This simulation replays history — 2,000 times — to show the range of what could happen.

Return basis:

Historical data Custom assumption

Investor profile:

Each simulated year draws one real year (1980–2025) at random: Canadian equities (S&P/TSX Composite total return) blended with Canadian bonds (FTSE Canada Universe Bond Index) at your profile’s mix.

Plan to fund spending until age

2,000 simulated paths. Seeded for reproducibility — the same inputs always give the same result.

Monte Carlo result

Outcome	Result

Historical returns: S&P/TSX Composite and FTSE Canada Universe Bond Index total returns, 1980–2025. Bootstrapping assumes the future will resemble the past, which it may not. Past performance does not predict future returns.

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Provided by Aaron Taylor, Taylor Wealth Designers Ltd. - www.wealthdesigners.ca

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

IMPORTANT — PLEASE READ: This report was produced by an automated calculator and may contain calculation errors. All results are hypothetical illustrations based on the inputs and assumptions shown (rates of return, inflation, tax rules, and government benefit amounts), not predictions or guarantees of future outcomes. Past investment performance does not guarantee future results. Tax laws and government programs (including CPP, OAS, and GIS) change over time. This report is for general information only and is not investment, tax, or legal advice. Please review your situation with a qualified professional before making financial decisions.