Coast FIRE Canada (CAD)
Find your Coast FIRE number in Canadian dollars — when you can stop saving and let your RRSP, TFSA, CPP, and OAS compound to retirement.
RRSP • TFSA • CPP • OAS • 100% Free📊 Your Details
Enter your information and toggle CPP, OAS, or other guaranteed income to see the impact.
📈 Your Results
See how CPP, OAS, and other income reduce your Coast FIRE target.
Based on retire at 65, 4% withdrawal, 2.5% inflation.
Canadian Coast FIRE by Age
Based on $40,000 annual spending, 4% withdrawal rate, 6% expected return, 2.5% inflation, retiring at 65. All figures in today's dollars.
| Current Age | Years to 65 | Coast FIRE Number | Full FIRE Number |
|---|---|---|---|
| 25 | 40 | $315,672 | $1,000,000 |
| 30 | 35 | $357,842 | $1,000,000 |
| 35 | 30 | $405,761 | $1,000,000 |
| 40 | 25 | $460,078 | $1,000,000 |
| 45 | 20 | $521,668 | $1,000,000 |
| 50 | 15 | $591,558 | $1,000,000 |
Change your spending, return, inflation, or retirement age in the calculator above for your exact number. Figures are in today's purchasing power.
Canadian Coast FIRE Insights
Key things to understand about Coast FIRE in the Canadian context.
Which Accounts Count
Include your RRSP, TFSA, and non-registered investments. The TFSA is completely tax-free — a powerful tool for bridging to retirement. Your home only counts if you plan to sell and downsize. CPP and OAS are treated as guaranteed income, not as part of your savings pot.
Access Ages Matter
You can access your RRSP at any age, but withdrawals are taxable. The TFSA has no minimum age. CPP can start as early as 60 (with a reduction) or as late as 70 (with an increase). OAS starts at 65, but you can delay for a higher amount. Plan your gap years carefully.
Real Return Assumptions
Canadian equities and bonds have historically averaged 5-7% nominal returns. With inflation at ~2-3%, the real return is roughly 3-4%. Our default of 6% expected return with 2.5% inflation gives a real return of about 3.4%. Adjust these to match your own projections.
CPP & OAS Enhancements
The Canada Pension Plan is being enhanced to provide higher benefits for those who contribute after 2019. OAS is indexed quarterly to CPI. For high-income retirees, OAS is clawed back above ~$90,997 (2026). Factor these into your plan.
Frequently Asked Questions
Common questions about Coast FIRE in Canada.
