Metrics in Final Plan Projections
Want to add or remove a metric? Learn how here.
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.
This amount does not include any probate fees.
Lifetime CPP, OAS, GIS and CCB Benefits
The total amount of government benefits you expect to receive over your lifetime:
- CPP: Canada Pension Plan
- OAS: Old Age Security minus any OAS clawback
- GIS: Guaranteed Income Supplement
- CCB: Canada Child Benefit
Useful for evaluating strategies like delaying or advancing the start of these benefits.
Lifetime Investment Growth
The total projected amount of growth in all personal investment accounts in today's $s. This total does not include any contributions or the starting balance entered in Discovery > Assets.
Lifetime Contributions
The total planned investment contributions into personal accounts in today's $s.
Lifetime Withdrawals
The total planned investment withdrawals from personal accounts in today's $s.
Lifetime Interest Paid
The total projected amount of interest paid on all personal debts in today's $s.
Estate Tax
Projected estate tax at the end of the plan shown in today's $s. This does not include any probate fees
Average Withdrawal Rate
The average withdrawal rate throughout the plan. You can find individual withdrawal rate years in the table below.
Average Savings Rate
The average savings rate throughout the plan. You can find individual savings rate years in the table below.
Lifetime Average Tax Rate
The average tax rate throughout the plan. You can find individual tax rate years in the table below.
Add or Remove a Metric:
You can remove any metric by clicking the "-" symbol in the top right hand corner.
Once the metric is removed, click the "+" to choose another metric.
