Limitations, Assumptions and Disclaimers

The items below describe how certain figures (for example tax estimates, allocation heuristics, and rounding) are produced. They are simplifications intended to make the tools useful for planning; they are not a substitute for professional advice.

• This tool does not provide financial or tax advice. Treat outputs as observations under assumptions, and consult your financial advisor before acting.
• All projections shown are estimates based on user-entered or computed assumptions. Actual investment results will vary.
• These figures are for illustration only and should not be relied on as predictions of future performance.
• Results are based on hypothetical inputs and do not reflect real market outcomes. Use for planning, not forecasting.
• This tool models “what-if” scenarios only. Investment returns are uncertain and will differ significantly.
• Estimates shown here depend on the assumptions provided and are not guarantees of future investment results.
• This tool works only at monthly and yearly resolution.
• Financial vehicle histories are reconstructions based on a handful of entries and may be stale by 6 months to a year.
• Stock data is modelled monthly and does not simulate buy/sell spread or daily changes.
• Calculations use simplified assumptions and may omit real-world factors.
• Values are often approximated using averages and estimates.
• Calculations and rates assume a constant inflation rate.
• Income tax shown is a rough estimate based on prior-year rates.
• Lump-sum contributions and certain tax deductions are not modeled.
• Past performance is not indicative of future results.
• Results may be rounded and subject to small calculation differences that can add up over the projection timeframe.
• Consult a qualified professional before making financial decisions.
• All tax calculations based on last years marginal rate.
• Withdrawals and Account Rebalance do not take redemption fees or penalties into account.
• This tool does not intend to represent comprehensive financial planning.
• Not all aspects specific to your your personal financial situation are addressed.
• Retireplan.ca makes assumptions that are hypothetical.
• Consult with qualified financial, legal and tax professionals for advice specific to your personal situation
• Consult with qualified professionals to ensure that the assumptions used are realistic given your situation.
• Results, including the rate of return on any investments or the future income projection and are not guaranteed.