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Retirement Income Planning

Retirement Cash Flow Calculator

 

Use this calculator to clarify your financial picture in retirement. You'll be able to categorize your income and expenses, get a snapshot of your situation, and identify any shortfalls.

Note: This tool takes about five minutes to complete. Please enter your total household after-tax figures and ensure that all entries reflect actual values.

Your Household Retirement Income
Work income:
 
Funds from your investments:
Registered plans
Annuities
Investment income
Investment sale
Government benefits:
 
Other sources of income:
Total Income

Your Expenses

Estimate your expenses for the items listed, either as monthly or yearly values.

Your Home and Vacation Home:
Mortgage, rent etc.
Property taxes
Utilities
Upkeep
Home Insurance
Other
Total Home and Vacation Home
Your Living Costs
Food
Phone
Home Entertainment
Personal Health
Health, Life Insurance
Other
Total Living Costs
Debt Repayment, Savings, Fees
Loans, Lines of Credit
Credit Card(s)
Savings
Taxes
Other
Total Debt Repayment, Savings, Fees
Transportation
Lease/Loan
Maintenance, Gas
Other transportation
Auto Insurance
Other
Total Transportation
Discretionary Spending
Clothing, Shoes
Entertainment
Travel
Personal Incidentals
Gifts, Donations
Personal Care
Other
Total Discretionary Spending
Total Expenses

 

 

The strategies, advice and technical content in this publication are provided for the general guidance of our clients, based on information that we believe to be accurate, but we cannot guarantee its accuracy or completeness. This publication is not intended as nor does it constitute financial, tax or legal advice. Readers should consult their own lawyer, accountant or other professional when planning to implement a strategy. This will ensure that their own circumstances have been considered properly and that action is taken on the latest available information. Interest rates, market conditions, tax rules and other investment factors are subject to change.

Financial planning services and investment advice are provided by Royal Mutual Funds Inc. Royal Mutual Funds Inc., RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. Royal Mutual Funds Inc. is licensed as a financial services firm in the province of Quebec.

Royal Mutual Funds Inc., RBC Global Asset Management Inc., RBC Dominion Securities Inc.*, RBC Direct Investing Inc.* are Member Companies under RBC Investments. The Member Companies, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. Monies held by RBC Dominion Securities Inc. or RBC Direct Investing Inc. in their respective securities accounts are not insured by Canada Deposit Insurance Corporation or by any other government deposit insurer. Unless otherwise indicated, securities sold through the Member Companies are not insured by Canada Deposit Insurance Corporation or any other government deposit insurer, and are not guaranteed by Royal Bank of Canad and subject o market fluctuations. Mutual Funds are sold by Royal Mutual Funds Inc. Important information about Mutual Funds is contained in the simplified prospectus which should be read carefully before investing. Unit values and investment returns will fluctuate. Royal Mutual Funds Inc. is licensed as a financial services firm in the Province of Quebec.

* Member–Canadian Investor Protection Fund.

® Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

 
01/12/2011 15:56:00