Lifetime Totals in Final Plan Projections

Plan Funded Amount

Measures whether your income and assets are enough to meet your lifetime spending goals.

• Over 100%: You have more than enough.
• Exactly 100%: You can just meet your needs.
• Under 100%: You may face shortfalls, need to use debt, or access home equity.

Note: Even if you're 100% funded, risks like poor investment returns or high inflation could still cause issues. That's why checking your Success Rate is also important.

Success Rate

The percentage chance that your plan will succeed — meaning you won’t run out of money — even if investment returns or inflation vary from expectations.

Lifetime Spending

The total amount you expect to spend over the course of your plan, shown in today's dollars (adjusted for inflation).

Lifetime Investment Fees

The total investment management fees paid over your lifetime, based on your asset mix and fee structure, shown in today's dollars.

Lifetime Taxes

The total taxes paid during your lifetime, including income tax and any final estate taxes, shown in today's dollars.

After-Tax Estate Value

The projected value of your estate (net of taxes) left at the end of your plan.

This was previously shown on the Net Worth chart and is now clearly summarized in the lifetime totals.

Lifetime CPP, OAS, and GIS Benefits

The total amount of government benefits you expect to receive over your lifetime:

• CPP: Canada Pension Plan
• OAS: Old Age Security
• GIS: Guaranteed Income Supplement

Useful for evaluating strategies like delaying or advancing the start of these benefits.