Metrics in Tracking

Income & Spending

• YTD Earned Income: Your total earned income so far this year. This amount includes income from employment, self-employment, bonuses, CPP, OAS, and defined benefit pensions.
• YTD Earned Income vs Plan: The percentage of your annual planned income that you have already earned. This metric compares the YTD earned income you've tracked against the planned income for your selected scenario.
• YTD Withdrawal: The total amount withdrawn from your investments/savings so far this year.
• YTD Withdrawal vs Plan: The percentage of your planned annual withdrawals you've already made. This metric uses the withdrawal targets for your selected scenario.
• YTD Spending: Your total spending so far this year. This amount does not include debt repayments.
• YTD Spending vs Plan: The percentage of your planned annual spending you've already made. This metric uses the spending targets for your selected scenario.
• YTD Contributions: The total amount contributed to your investments/savings so far this year.
• YTD Contributions vs Plan: The percentage of your planned annual investments/savings contributions you've made so far. This metric uses the contribution targets for your selected scenario.

Pensions

• Annual CPP Earned YTD: An estimate of how much annual CPP benefit you've earned so far this year. It is based on your earned income and helps you see the connection between your current work and your future pension.
• Annual OAS Earned YTD: A calculation of how much annual OAS you've earned to date, based on your accumulated days of residency.

Assets & Net Worth

• Actual Financial Assets: The total value of your financial assets at your most recent progress point. This includes all financial accounts but excludes real estate values and debt balances.
• Financial Assets vs Plan: The dollar difference between your actual financial assets and your plan. It compares the value from your most recent progress point to your projected plan value for the current date.
• Actual Debt Balances: The total value of your outstanding debt at your most recent progress point.
• Debt Balances vs Plan: The dollar difference between your actual debt balances and your plan. It compares the value from your most recent progress point to your projected plan value for the current date.
• Actual Net Worth: The total value of your financial assets plus real estate, minus any debts, based on your most recent progress point.
• Net Worth vs Plan: The dollar difference between your actual net worth and your plan. It compares the value from your most recent progress point to your projected plan value for the current date.

Rates & Returns

• Withdrawal Rate: Your annualized withdrawal rate for the current year. This is calculated using your stated withdrawals, contributions, and current financial assets (representing your net withdrawal rate after contributions are factored in).
• Savings Rate: Your annualized contribution rate for the current year. This is calculated using your stated withdrawals, contributions, and current income (representing your net savings rate after withdrawals are factored in).
• YTD Investment Growth: Your actual investment growth this year, expressed in dollars. This will only appear once you have two or more progress points recorded in the current year.
• YTD Rate of Return vs Plan: A comparison of your actual rate of return this year against your planned rate of return. This will only appear once you have two or more progress points recorded in the current year.

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