Calculators · 1,918 days of VEQT history

Run the numbers.

Four tools, one question each. See what VEQT actually did, plan what you'll add, pick the right account, and find your finish line.

01Look backWhat would I have today?02Plan aheadWhat could I build?03Pick an accountTFSA, RRSP, FHSA or taxable?04Retire earlyWhen can I stop working?

Retire early

You could stop working at

Age 60in 28.5 years

Your number

$1.25M

$50,000 a year ÷ 4% withdrawal.

You're this far

$60,000 saved so far.

Coast number

$283,915

Have this invested and you could stop adding and still get there by 65.

Your numbers

LiveThe bar above updates live

Yearly spending in retirement

Invested so far

Adding each month

Your age

Withdrawal rate

How much you'd take out each year.

Try

Growth assumption

Careful · 4%Age 76Below the long-run averageMiddle · 7%Age 60Close to the long-run averageStrong · 10%Age 53A good few decades

Your path to your number

Invested
Your number

Growth 7.0% a year, less 2.5% inflation, compounded monthly. The coast number counts to age 65.

Small changes matter. Adding $100 more a month gets you there 11 months sooner. Adding 20% more: 2.5 years sooner.
About the 4% rule. A common starting point from U.S. research. Many Canadians use 3.5 to 4%.

The fine print

Arithmetic, with caveats.

These tools simplify on purpose. Returns arrive smoothly here; in real life they come in bumps.

Past results are not a forecast. Look back shows what happened. The other three ask you to assume a rate. Try 4% and see the range.

Tax figures are estimates, not advice. Your situation, taxes and comfort with risk are yours to weigh.

These tools simplify on purpose: returns arrive smoothly here, in bumps in real life. Past results aren't a forecast. Tax figures are estimates, not advice.

Run the numbers.

04Retire early

Your numbers

Your path to your number

Arithmetic, with caveats.

The number that matters is yours.

Retire early