';
var n = 0;
diff --git a/site/engine/engine.js b/site/engine/engine.js
index 15a7f3f..b105d24 100644
--- a/site/engine/engine.js
+++ b/site/engine/engine.js
@@ -166,6 +166,8 @@
cppStartAge: 65, cppOverrideMonthlyAt65: 0, oasStartAge: 65,
rrspWithdrawalOverrideAnnual: 0,
pensionAnnual: 0, rentalAnnual: 0, otherAnnual: 0,
+ pensionStartAge: 0, // 0 = defaults to retireAge (public-service pension)
+ pensionBridgeAnnual: 0, // pre-65 bridge benefit, ends at 65 (PSPC)
realReturnPre: 0.035, realReturnPost: 0.025, inflation: 0.02, lifeExp: 95
};
function fillDefaults(inp) {
@@ -175,13 +177,31 @@
return o;
}
+ /* ---- Public-service pension: start age & bridge benefit ----
+ * pensionStartAge: pension income pays from max(retireAge, pensionStartAge)
+ * (0 = not set → starts at retirement, legacy behaviour).
+ * Bridge benefit is a term annuity payable from start to the 65th birthday. */
+ function pensionStartAge(p) { return Math.max(p.retireAge, +p.pensionStartAge || 0); }
+ function pensionBridgeAnnual(p, selfAge) {
+ var b = +p.pensionBridgeAnnual || 0;
+ if (!b) return 0;
+ return (selfAge >= pensionStartAge(p) && selfAge < 65) ? b : 0;
+ }
+
/* ---- Core year-by-year projection (single person) ---- */
function projectSingle(p) {
var at65 = p.cppOverrideMonthlyAt65 > 0 ? p.cppOverrideMonthlyAt65 : estimateCppMonthlyAt65(p.income, p.age);
var rrsp = Math.max(0, p.rrsp), tfsa = Math.max(0, p.tfsa), nonreg = Math.max(0, p.nonreg);
var years = [], depletionAge = null, totalTax = 0, totalClawback = 0, nestEgg = null;
var end = Math.ceil(p.lifeExp);
- var other0 = (p.pensionAnnual || 0) + (p.rentalAnnual || 0) + (p.otherAnnual || 0);
+ var rentalOther = (p.rentalAnnual || 0) + (p.otherAnnual || 0);
+ var psStart = pensionStartAge(p); // pension income starts here
+ function penAt(a) { // pension + bridge payable at age a
+ var v = 0;
+ if (a >= psStart) v += (p.pensionAnnual || 0);
+ v += pensionBridgeAnnual(p, a); // 0 at/after 65, 0 before psStart
+ return v;
+ }
for (var a = p.age; a < end; a++) {
var row = { age: a };
@@ -189,7 +209,7 @@
rrsp = rrsp * (1 + p.realReturnPre) + 12 * ((p.monthlyContribution || 0) + (p.employerMatchMonthly || 0));
tfsa = tfsa * (1 + p.realReturnPre);
nonreg = nonreg * (1 + p.realReturnPre);
- row.phase = 'accum'; row.cpp = 0; row.oasGross = 0; row.oasClawback = 0; row.gis = 0; row.other = 0;
+ row.phase = 'accum'; row.cpp = 0; row.oasGross = 0; row.oasClawback = 0; row.gis = 0; row.other = 0; row.pension = 0;
row.rrifWithdrawal = 0; row.nonregW = 0; row.tfsaW = 0; row.taxable = 0; row.tax = 0;
row.cash = 0; row.need = 0; row.unfunded = 0;
row.rrspBal = rrsp; row.tfsaBal = tfsa; row.nonregBal = nonreg; row.totalBal = rrsp + tfsa + nonreg;
@@ -203,6 +223,7 @@
var rrifMin = a >= 71 ? rrifMinPct(a) / 100 * rrspJan : 0;
var cpp = cppMonthlyAt(a, p.cppStartAge, at65) * 12;
var oasGross = oasMonthlyAt(a, p.oasStartAge) * 12;
+ var other0 = rentalOther + penAt(a);
var pre = cpp + oasGross + other0;
var need = p.spendingAnnual;
@@ -210,7 +231,7 @@
function solve(W) {
W = Math.min(Math.max(W, 0), rrspJan);
var taxable1 = pre + W;
- var opts1 = { pensionIncome: (p.pensionAnnual || 0) + (a >= 65 ? W : 0) };
+ var opts1 = { pensionIncome: (a >= 65 && a >= psStart ? (p.pensionAnnual || 0) : 0) + (a >= 65 ? W : 0) };
var t1 = tax(taxable1, p.province, a, opts1);
var c1 = clawback(taxable1);
var g = gis(taxable1 - oasGross, 'single');
@@ -267,6 +288,7 @@
totalTax += r.tax.total; totalClawback += r.cw;
row.phase = 'draw';
row.cpp = cpp; row.oasGross = oasGross; row.oasClawback = r.cw; row.gis = r.gis; row.other = other0;
+ row.pension = penAt(a); // pension + bridge only (for chart breakdown)
row.rrifWithdrawal = r.W; row.nonregW = r.n; row.tfsaW = r.t;
row.taxable = r.taxable; row.tax = r.tax.total; row.cash = Math.min(r.cash, need);
row.need = need; row.unfunded = unfunded;
@@ -310,12 +332,18 @@
rrspBal: ra.rrspBal + rb.rrspBal, tfsaBal: ra.tfsaBal + rb.tfsaBal, nonregBal: ra.nonregBal + rb.nonregBal
};
row.totalBal = row.rrspBal + row.tfsaBal + row.nonregBal;
+ row.pension = (ra.pension || 0) + (rb.pension || 0); // chart breakdown (life pension + bridge)
row.need = ra.need + rb.need;
var taxSum = ra.tax + rb.tax, clawSum = ra.oasClawback + rb.oasClawback;
row.taxable = ra.taxable + rb.taxable;
- // Pension income splitting (both 65+): split pension+RRIF 50/50, keep the cheaper total.
- if (ra.phase === 'draw' && rb.phase === 'draw' && yr >= 65 && (ra.age >= 65 && rb.age >= 65)) {
- var pa = (me.pensionAnnual || 0) + ra.rrifWithdrawal, pb2 = (partnerInp.pensionAnnual || 0) + rb.rrifWithdrawal;
+ // Pension income splitting (CRA): a life annuity from a superannuation plan is
+ // splittable at ANY age once payable (pensionStartAge); RRIF withdrawals only at
+ // 65+. The bridge benefit (term annuity) is excluded — documented modelling
+ // choice. Split 50/50 the eligible amounts, keep the cheaper total.
+ if (ra.phase === 'draw' && rb.phase === 'draw') {
+ var psA = pensionStartAge(me), psB = pensionStartAge(partnerInp);
+ var pa = ((me.pensionAnnual > 0 && psA <= yr) ? me.pensionAnnual : 0) + (yr >= 65 ? ra.rrifWithdrawal : 0);
+ var pb2 = ((partnerInp.pensionAnnual > 0 && psB <= yr) ? partnerInp.pensionAnnual : 0) + (yr >= 65 ? rb.rrifWithdrawal : 0);
var shift = 0.5 * (pa - pb2);
if (Math.abs(shift) > 1) {
var tA = tax(ra.taxable - shift, p.province, yr, { pensionIncome: pa - shift });
@@ -415,6 +443,8 @@
project: project,
sustainableSpending: sustainableSpending,
recommendations: recommendations,
+ pensionStartAge: pensionStartAge,
+ pensionBridgeAnnual: pensionBridgeAnnual,
defaults: DEFAULTS,
constants: C
};
diff --git a/site/engine/pspension.js b/site/engine/pspension.js
new file mode 100644
index 0000000..dad8aaa
--- /dev/null
+++ b/site/engine/pspension.js
@@ -0,0 +1,200 @@
+/* ============================================================================
+ * pspension.js — Optional federal public service pension (PSSA) module.
+ *
+ * Implements the PSPC-published formula for members with 2+ years of
+ * pensionable service (contributed to the pension):
+ *
+ * Lifetime annual = 1.375% × min(avg5, AMPE) × min(S, 35)
+ * + 2% × max(0, avg5 − AMPE) × min(S, 35)
+ * Bridge benefit = 0.625% × min(avg5, AMPE) × min(S, 35) (pre-65 only;
+ * payable from retirement, ends at the start of the month
+ * of the 65th birthday — coincides with CPP/D coverage)
+ * Total pre-65 = 2% × avg5 × min(S, 35)
+ *
+ * avg5 = average salary over the 5 consecutive years of highest paid service
+ * (modelled as the user-entered figure; AMPE = Average Maximum
+ * Pensionable Earnings — indexed to YMPE, 100% of YMPE since 2010;
+ * we use the current YMPE from canada.js as a real-dollar proxy).
+ * S = years of recognised pensionable service, capped at 35.
+ *
+ * Early-reduction (annual allowance) decision tree — Group 1 (joined on/after
+ * 1999-04-01 and before 2013-01-01; payable from 50):
+ * unreduced if (age ≥ 60 and S ≥ 2) or (age ≥ 55 and S ≥ 30);
+ * F1 (S < 25): 5% × (60 − age)
+ * F2 (S ≥ 25): max( 5% × (55 − age), 5% × (30 − S) )
+ * age ≥ 55 with S ≥ 25: apply the LOWER of F1 and F2 (PSPC page);
+ * leaving before 50: F1 with age pinned at 50 → 50% reduction cap.
+ * Group 2 (joined on/after 2013-01-01; payable from 55):
+ * unreduced if (age ≥ 65 and S ≥ 2) or (age ≥ 60 and S ≥ 30);
+ * F1 (S < 25): 5% × (65 − age)
+ * F2 (S ≥ 25): max( 5% × (60 − age), 5% × (30 − S) )
+ * age ≥ 60 with S ≥ 25: apply the LOWER of F1 and F2;
+ * leaving before 55: F1 pinned at 55 → 50%; the planner models the
+ * PSPC-default path: deferred annuity, unreduced, payable at 65.
+ * Reduction applies to the WHOLE pension (lifetime + bridge); ages/service
+ * to the nearest tenth of a year. Under 2 years of service: return of
+ * contributions only (no pension).
+ *
+ * Sources verified 2026-02 (constants re-checked verbatim, page dated 2025-08-15).
+ * UMD: window.RetirePS in the browser, module.exports in Node.
+ * ==========================================================================*/
+(function (root, factory) {
+ if (typeof module !== 'undefined' && module.exports) module.exports = factory();
+ else root.RetirePS = factory();
+})(typeof self !== 'undefined' ? self : this, function () {
+ 'use strict';
+
+ var PCT_LOW = 0.01375; // 1.375% — career average up to AMPE
+ var PCT_HIGH = 0.02; // 2% — career average above AMPE
+ var BRIDGE_PCT = 0.00625; // 0.625% — bridge benefit (pre-65), up to AMPE only
+ var MAX_SERVICE = 35; // pensionable-service cap
+ var EARLY_PCT = 0.05; // 5% per year (or part-year, to the tenth)
+ var GROUP1_CUTOFF_YEAR = 2012; // joined on/before 2012-12-31 → Group 1
+ var MAX_REDUCTION = 0.5; // 50% cap (F1 at the earliest payable age)
+
+ /* IT (Indian and Northern Government Services) annual rates of pay,
+ * TBS "IT" collective agreement, Appendix A, wage-adjustment row
+ * effective 2024-12-22. Overridable: the UI exposes these as defaults. */
+ var IT_RATES_ASOF = '2024-12-22';
+ var IT_RATES_SOURCE = 'https://www.canada.ca/en/treasury-board-secretariat/topics/pay/collective-agreements/it.html';
+ var IT_LEVELS = [
+ { id: 'IT-01', steps: [69361, 71925, 74485, 77031, 79574, 82120, 84661, 89382] },
+ { id: 'IT-02', steps: [85854, 88603, 91348, 94095, 96844, 99589, 102335, 105080] },
+ { id: 'IT-03', steps: [101343, 104833, 108324, 111817, 115306, 118791, 122281, 125914] },
+ { id: 'IT-04', steps: [116037, 120038, 124039, 128039, 132039, 136041, 140039, 144434] },
+ { id: 'IT-05', steps: [133582, 138563, 143539, 148520, 153503, 158485, 163465, 168446, 174076] }
+ ];
+
+ var SOURCES = {
+ g1En: 'https://www.canada.ca/en/public-services-procurement/services/pay-pension/public-service-pension-plan/retired/entitlement-information-packages/2-more-years-pensionable-service/member-on-before-december-31-2012.html',
+ g1Fr: 'https://www.canada.ca/fr/services-publics-approvisionnement/services/paye-pension/regime-retraite-fonction-publique/retraite/trousse-information-presentations/2-ans-plus-service-ouvrant-droit-pension/participant-31-decembre-2012-ou-avant.html',
+ g2En: 'https://www.canada.ca/en/public-services-procurement/services/pay-pension/public-service-pension-plan/retired/entitlement-information-packages/2-more-years-pensionable-service/member-on-after-january-1-2013.html',
+ g2Fr: 'https://www.canada.ca/fr/services-publics-approvisionnement/services/paye-pension/regime-retraite-fonction-publique/retraite/trousse-information-presentations/2-ans-plus-service-ouvrant-droit-pension/participant-1er-janvier-2013-ou-apres.html',
+ glossaryEn: 'https://www.canada.ca/en/treasury-board-secretariat/services/pension-plan/plan-information/glossary.html',
+ atAGlanceEn: 'https://www.canada.ca/en/treasury-board-secretariat/services/pension-plan/plan-information/public-service-pension-glance.html',
+ ympeCra: 'https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/payroll/payroll-deductions-contributions/canada-pension-plan-cpp/cpp-enhancement.html',
+ splittingCra: 'https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/pension-income-splitting.html',
+ itAgreement: IT_RATES_SOURCE
+ };
+
+ function tenth(x) { return Math.round(x * 10) / 10; }
+ function round2(x) { return Math.round(x * 100) / 100; }
+
+ /* 1 | 2 from the year the member joined the federal public service. */
+ function psGroup(joinYear) {
+ var y = +joinYear;
+ if (!y) return null;
+ return y <= GROUP1_CUTOFF_YEAR ? 1 : 2;
+ }
+
+ function itLevel(id) {
+ for (var i = 0; i < IT_LEVELS.length; i++) if (IT_LEVELS[i].id === id) return IT_LEVELS[i];
+ return null;
+ }
+ function itRange(id) {
+ var lv = itLevel(id);
+ if (!lv) return null;
+ return { min: lv.steps[0], top: lv.steps[lv.steps.length - 1], steps: lv.steps, asof: IT_RATES_ASOF };
+ }
+
+ /* Early-reduction (annual allowance) per the PSPC decision tree.
+ * Returns { unreduced, pct, formula: 'F1'|'F2'|'min(F1,F2)'|null, note }
+ * with pct in [0, 0.5]; ages/service to the nearest tenth (PSPC).
+ * note keys: 'unreduced' | 'f1Under50' | 'f1Under55' (fixed-age rules). */
+ function psEarlyReduction(group, retireAge, serviceYears) {
+ var age = tenth(+retireAge), S = tenth(+serviceYears);
+ var g = +group === 2 ? 2 : 1;
+ var R = function (pct, formula, unreduced, note) {
+ return { unreduced: !!unreduced, pct: pct, formula: formula, note: note || null };
+ };
+ if (g === 1) {
+ if (age >= 60 || (age >= 55 && S >= 30)) return R(0, null, true, 'unreduced');
+ var f1 = EARLY_PCT * Math.max(0, 60 - age);
+ if (age < 50) return R(MAX_REDUCTION, 'F1', false, 'f1Under50'); // payable from 50, age pinned at 50
+ if (S < 25) return R(Math.min(MAX_REDUCTION, f1), 'F1', false, null);
+ var f2a = Math.max(0, EARLY_PCT * (55 - age)), f2b = Math.max(0, EARLY_PCT * (30 - S));
+ var f2 = Math.max(f2a, f2b);
+ if (age >= 55) return R(Math.min(MAX_REDUCTION, Math.min(f1, f2)), 'min(F1,F2)', false, null);
+ return R(Math.min(MAX_REDUCTION, f2), 'F2', false, null);
+ }
+ if (age >= 65 || (age >= 60 && S >= 30)) return R(0, null, true, 'unreduced');
+ var g1 = EARLY_PCT * Math.max(0, 65 - age);
+ if (age < 55) return R(MAX_REDUCTION, 'F1', false, 'f1Under55'); // payable from 55, age pinned at 55
+ if (S < 25) return R(Math.min(MAX_REDUCTION, g1), 'F1', false, null);
+ var h2a = Math.max(0, EARLY_PCT * (60 - age)), h2b = Math.max(0, EARLY_PCT * (30 - S));
+ var h2 = Math.max(h2a, h2b);
+ if (age >= 60) return R(Math.min(MAX_REDUCTION, Math.min(g1, h2)), 'min(F1,F2)', false, null);
+ return R(Math.min(MAX_REDUCTION, h2), 'F2', false, null);
+ }
+
+ /* Lifetime annual pension (years capped at 35 by the caller's service). */
+ function psLifetimePension(avgSalary, ampe, years) {
+ var Sc = Math.min(tenth(+years || 0), MAX_SERVICE);
+ var capAvg = Math.min(Math.max(0, +avgSalary || 0), Math.max(0, +ampe || 0));
+ var over = Math.max(0, (+avgSalary || 0) - (+ampe || 0));
+ return round2(PCT_LOW * capAvg * Sc + PCT_HIGH * over * Sc);
+ }
+ /* Bridge benefit: 0.625% × min(avg,AMPE) × min(S,35) — caller zeroes at 65+. */
+ function psBridgeBenefit(avgSalary, ampe, years) {
+ var Sc = Math.min(tenth(+years || 0), MAX_SERVICE);
+ var capAvg = Math.min(Math.max(0, +avgSalary || 0), Math.max(0, +ampe || 0));
+ return round2(BRIDGE_PCT * capAvg * Sc);
+ }
+
+ /* Full benefit computation.
+ * Input: { joinYear, retireAge, serviceYears, avgSalary, ampe }
+ * Output (plan contract): { group, serviceCapped, lifetime, bridge,
+ * reductionPct, formula, pensionAtRetirement, pensionFrom65, startAge,
+ * deferred, earlyOnlyNote, notes[] } — $ annual, to the cent. */
+ function computePSPension(o) {
+ o = o || {};
+ var avg = Math.max(0, +o.avgSalary || 0);
+ var ampe = Math.max(0, +o.ampe || 0);
+ var S = tenth(+o.serviceYears || 0);
+ var age = tenth(+o.retireAge || 0);
+ var group = +o.group === 1 || +o.group === 2 ? +o.group : psGroup(o.joinYear) || 1;
+ var Sc = Math.min(S, MAX_SERVICE);
+ var lifetime = psLifetimePension(avg, ampe, Sc);
+ var out = {
+ group: group, serviceCapped: Sc, startAge: age, deferred: false,
+ lifetime: lifetime, bridge: 0,
+ reductionPct: 0, formula: null,
+ pensionAtRetirement: lifetime, pensionFrom65: lifetime,
+ earlyOnlyNote: null, notes: []
+ };
+ if (S < 2) { // return of contributions only — no annuity (PSPC)
+ out.lifetime = 0; out.pensionAtRetirement = 0; out.pensionFrom65 = 0;
+ out.notes.push('lt2');
+ return out;
+ }
+ var red = { pct: 0, formula: null };
+ if (group === 2 && age < 55) {
+ // PSPC default (no election within 1 year): deferred annuity, unreduced, at 65.
+ out.deferred = true; out.startAge = 65;
+ red = { pct: 0, formula: null };
+ out.earlyOnlyNote = 'deferredG2';
+ } else {
+ red = psEarlyReduction(group, age, S);
+ out.startAge = age;
+ if (red.note === 'f1Under50') { out.startAge = 50; out.notes.push('f1Under50'); }
+ if (red.note === 'f1Under55') { out.startAge = 55; out.notes.push('f1Under55'); }
+ }
+ out.reductionPct = red.pct;
+ out.formula = red.formula;
+ out.bridge = out.startAge < 65 ? psBridgeBenefit(avg, ampe, Sc) : 0;
+ out.pensionAtRetirement = round2((out.lifetime + out.bridge) * (1 - out.reductionPct));
+ out.pensionFrom65 = round2(out.lifetime * (1 - out.reductionPct));
+ return out;
+ }
+
+ return {
+ PCT_LOW: PCT_LOW, PCT_HIGH: PCT_HIGH, BRIDGE_PCT: BRIDGE_PCT,
+ MAX_SERVICE: MAX_SERVICE, GROUP1_CUTOFF_YEAR: GROUP1_CUTOFF_YEAR,
+ IT_LEVELS: IT_LEVELS, IT_RATES_ASOF: IT_RATES_ASOF, IT_RATES_SOURCE: IT_RATES_SOURCE,
+ SOURCES: SOURCES,
+ psGroup: psGroup, psLifetimePension: psLifetimePension,
+ psBridgeBenefit: psBridgeBenefit, psEarlyReduction: psEarlyReduction,
+ computePSPension: computePSPension,
+ itLevel: itLevel, itRange: itRange
+ };
+});
diff --git a/site/i18n.js b/site/i18n.js
index 10bf7ad..0e1a972 100644
--- a/site/i18n.js
+++ b/site/i18n.js
@@ -56,6 +56,7 @@
qc: 'ℹ️ Québec: QPP is not modelled — add your QPP estimate as “Pension $/yr”. QPP typically replaces ~35% of income.',
cliff: 'You’ll hit the RRIF-minimum tax cliff at 71. TFSA room now softens it later — check the gap cards.',
couple: 'With pension splitting + household GIS, your joint taxes drop — the panel shows the joint total.',
+ psCover: 'ℹ️ Your public service pension covers about {pct}% of your retirement spending goal.',
live: 'Live numbers — change any answer and this panel moves.'
},
prov: {
@@ -105,7 +106,42 @@
},
extra: {
title: 'Other income', hint: 'DB pension, rental, royalties… leave 0 if none.',
- pension: 'Pension $/yr', rental: 'Rental $/yr', other: 'Other $/yr'
+ pension: 'Pension $/yr', rental: 'Rental $/yr', other: 'Other $/yr',
+ psNote: 'Covered by your public service pension module: {v} — see your plan.',
+ psNotePending: 'Answer the pension module questions — this is computed from them.'
+ },
+ ps: {
+ title: 'Do you have a federal public service pension?',
+ hint: 'Optional — for federal employees under the PSSA. We’ll compute it from PSPC rules and add it to your plan.',
+ yes: 'Yes — I am (or was) a federal public servant', yesD: 'Public Service Pension Plan (PSSA)',
+ no: 'No / not sure', noD: 'Skip the pension module'
+ },
+ ps_join: {
+ title: 'What year did you join the federal public service?',
+ hint: 'This sets your group: on/before Dec 31, 2012 = Group 1 (annual allowance from 50); on/after Jan 1, 2013 = Group 2 (from 55).'
+ },
+ ps_service: {
+ title: 'Years of pensionable service',
+ hint: 'Recognized by PSPC (the calculation caps it at 35 years).'
+ },
+ ps_salary: {
+ title: 'Average salary — your 5 consecutive highest-paid years',
+ hint: 'The annual average of your five consecutive years of highest paid service, in today’s dollars.',
+ hintIt: 'Your IT table shows {lo}–{hi} a year (TBS–PSAC, effective {asof}) — pick your step next, or type your own.'
+ },
+ ps_occ: {
+ title: 'Are you in the IT (Information Technology) group?',
+ hint: 'The pension formula is the same for every occupational group — we just show official TBS–PSAC pay tables to help with the salary.',
+ it: 'Yes — IT group', itD: 'IT-01 to IT-05, TBS–PSAC rates',
+ other: 'No — another group', otherD: 'I’ll type my average salary'
+ },
+ ps_it: {
+ title: 'Which IT level are you at?',
+ hint: 'Official annual rates, effective {asof} — you can override with your own salary.',
+ stepTitle: 'Which step of {level}?',
+ stepHint: 'Range {lo}–{hi} · rates effective {asof}. Your step sets the 5-year average (override it on the salary step).',
+ stepMin: 'first step', stepTop: 'top step',
+ skip: 'Not my pay scale', skipD: 'I’ll type my average salary'
},
assumptions: {
title: 'Assumptions', hint: 'Real (above-inflation) returns. Defaults match a balanced portfolio.',
@@ -131,7 +167,40 @@
h: 'Where retirement income comes from',
cap: 'CPP, OAS, GIS and what you must withdraw from savings — stacked, after-tax view.',
empty: 'Retirement after your plan horizon.',
- cpp: 'CPP', oas: 'OAS (net)', gis: 'GIS', savings: 'From savings'
+ cpp: 'CPP', oas: 'OAS (net)', gis: 'GIS', savings: 'From savings', psPension: 'Public service pension'
+ },
+ ps: {
+ card: {
+ title: 'Your federal public service pension',
+ group: 'Group {n} (rules from your join year)',
+ service: 'Pensionable service used: {y} years (max 35)',
+ avg: '5-year average salary (highest paid)',
+ ampe: 'AMPE (proxy = YMPE {v}, {y})',
+ lifetime: 'Lifetime annual pension',
+ bridge: 'Bridge benefit (until 65)',
+ reduction: 'Early reduction (annual allowance): {pct} — {f}',
+ none: 'None — you qualify for an unreduced pension',
+ fF1: 'Formula 1', fF2: 'Formula 2', fMin: 'lower of F1 and F2',
+ atRet: 'Your pension at retirement (from {age})',
+ from65: 'From age 65 (bridge ends)',
+ lt2: 'Under 2 years of service: return of contributions only — no annuity.',
+ deferred: 'You retire before 55 (Group 2): modelled as a deferred annuity — unreduced pension from age 65. Alternative: an annual allowance from age 55 would be permanently reduced by 50%.',
+ under50: 'Retiring before 50 (Group 1): the annual allowance is payable from your 50th birthday, with Formula 1 computed at age 50 — a 50% reduction.',
+ under55: 'Payable from 55 with Formula 1 computed at age 55 — a 50% reduction.',
+ bridgeEnds: 'The bridge benefit ends the month you turn 65 (earlier only with CPP/QPP disability).',
+ nSurvivor: 'Survivor: 50% of your pre-65 pension before any reduction, plus child allowances to 18 (25 if in school).',
+ nIndex: 'Indexation: the pension is increased every January 1 by CPI.',
+ nPartTime: 'Part-time service is pro-rated for assigned hours — not modelled; full-time assumed.',
+ nSplit: 'The bridge benefit is a term annuity — excluded from pension income splitting (conservative). The lifetime pension is splittable at any age.',
+ sources: 'Sources:',
+ srcPspc: 'PSPC formula & reduction rules ({d})',
+ srcGlance: 'TBS pension at a glance',
+ srcGloss: 'TBS glossary (AMPE)',
+ srcCra: 'CRA pension splitting',
+ srcYmpe: 'CRA YMPE {v} ({y})',
+ srcIt: 'TBS–PSAC IT agreement rates ({d})',
+ dataAsOf: 'benefit constants as of {d}'
+ }
},
g3: {
h: 'Spending vs. what you\'ll actually have',
@@ -178,7 +247,7 @@
cpp: 'CPP', oas: 'OAS', gis: 'GIS', tax: 'Tax+claw', unfunded: 'Unfunded'
},
d: {
- main: 'Estimates only — not financial advice. Simplified model: GIS uses a simplified 50% phase-out; Quebec shown with the 16.5% federal abatement (QPP and Quebec payroll taxes not modelled); DB pensions not modelled; returns are constant real rates; Ontario surtax modelled on base tax.',
+ main: 'Estimates only — not financial advice. Simplified model: GIS uses a simplified 50% phase-out; Quebec shown with the 16.5% federal abatement (QPP and Quebec payroll taxes not modelled); federal public service pension (PSSA) modelled when enabled — other DB pensions not; returns are constant real rates; Ontario surtax modelled on base tax.',
privacy: '🔒 100% client-side — answers never leave your browser. Your answers are saved only in this browser (localStorage).'
},
res: {
@@ -244,6 +313,7 @@
qc: 'ℹ️ Québec : le RRQ n\'est pas modélisé — ajoutez votre estimation du RRQ sous « Pension ($/an) ». Le RRQ remplace habituellement ~35 % du revenu.',
cliff: 'Vous heurterez le palier fiscal du minimum de FERR à 71 ans. Du CELI aujourd\'hui en atténue l\'effet plus tard — voyez les cartes d\'écart.',
couple: 'Avec le fractionnement du revenu de pension et la SRG du ménage, vos impôts conjoints baissent — le panneau affiche le total conjoint.',
+ psCover: 'ℹ️ Votre pension de la fonction publique couvre environ {pct}% de votre objectif de dépenses de retraite.',
live: 'Chiffres en direct — changez une réponse et ce panneau bouge.'
},
prov: {
@@ -293,7 +363,42 @@
},
extra: {
title: 'Autres revenus', hint: 'Pension à prestations, location, redevances… laissez 0 sinon.',
- pension: 'Pension par année', rental: 'Location par année', other: 'Autre par année'
+ pension: 'Pension par année', rental: 'Location par année', other: 'Autre par année',
+ psNote: 'Couvert par votre module de pension fédérale : {v} — voir votre plan.',
+ psNotePending: 'Répondez aux questions du module de pension — ce montant en découle.'
+ },
+ ps: {
+ title: 'Avez-vous une pension de la fonction publique fédérale?',
+ hint: 'Facultatif — pour les fonctionnaires fédéraux (LRFP). Nous la calculons selon les règles de la PSCC et l\'ajoutons à votre plan.',
+ yes: 'Oui — je suis (ou j\'étais) fonctionnaire fédéral', yesD: 'Régime de retraite de la fonction publique (LRFP)',
+ no: 'Non / je ne sais pas', noD: 'Passer le module de pension'
+ },
+ ps_join: {
+ title: 'En quelle année avez-vous adhéré à la fonction publique fédérale?',
+ hint: 'Cela détermine votre groupe : avant le 31 déc. 2012 = groupe 1 (allocation annuelle dès 50 ans); à partir du 1er janv. 2013 = groupe 2 (dès 55 ans).'
+ },
+ ps_service: {
+ title: 'Années de service ouvrant droit à pension',
+ hint: 'Reconnues par la PSCC (le calcul est plafonné à 35 années).'
+ },
+ ps_salary: {
+ title: 'Salaire moyen — vos 5 années consécutives les mieux rémunérées',
+ hint: 'La moyenne annuelle de vos cinq années de service consécutives les mieux rémunérées, en dollars d\'aujourd\'hui.',
+ hintIt: 'Votre barre TI affiche {lo}–{hi} par année (SECT–PSAC, en vigueur le {asof}) — choisissez votre échelon, ou saisissez votre propre salaire.'
+ },
+ ps_occ: {
+ title: 'Faites-vous partie du groupe TI (technologies de l\'information)?',
+ hint: 'La formule de pension est la même pour tous les groupes professionnels — les barèmes officiels SECT–PSAC aident seulement à estimer le salaire.',
+ it: 'Oui — groupe TI', itD: 'TI-01 à TI-05, taux SECT–PSAC',
+ other: 'Non — un autre groupe', otherD: 'Je saisirai mon salaire moyen'
+ },
+ ps_it: {
+ title: 'Quel niveau TI occupez-vous?',
+ hint: 'Taux annuels officiels, en vigueur le {asof} — vous pouvez les remplacer par votre propre salaire.',
+ stepTitle: 'Quel échelon du niveau {level}?',
+ stepHint: 'Fourchette {lo}–{hi} · taux en vigueur le {asof}. Votre échelon fixe la moyenne sur 5 ans (modifiable à l\'étape du salaire).',
+ stepMin: 'premier échelon', stepTop: 'échelon supérieur',
+ skip: 'Ce n\'est pas mon barème', skipD: 'Je saisirai mon salaire moyen'
},
assumptions: {
title: 'Hypothèses', hint: 'Rendements réels (supérieurs à l\'inflation). Les valeurs par défaut correspondent à un portefeuille équilibré.',
@@ -319,7 +424,40 @@
h: 'D\'où vient le revenu de retraite',
cap: 'RPC, SV, SRG et ce que vous retirez de l\'épargne — empilé, après impôt.',
empty: 'Retraite après l\'horizon du plan.',
- cpp: 'RPC', oas: 'SV (net)', gis: 'SRG', savings: 'Épargne'
+ cpp: 'RPC', oas: 'SV (net)', gis: 'SRG', savings: 'Épargne', psPension: 'Pension de la fonction publique'
+ },
+ ps: {
+ card: {
+ title: 'Votre pension de la fonction publique fédérale',
+ group: 'Groupe {n} (règles selon votre année d\'adhésion)',
+ service: 'Service ouvrant droit à pension retenu : {y} années (max 35)',
+ avg: 'Salaire moyen sur 5 ans (les mieux rémunérées)',
+ ampe: 'MMGP (proxy = PGMA {v}, {y})',
+ lifetime: 'Pension viagère annuelle',
+ bridge: 'Prestation de raccordement (jusqu\'à 65 ans)',
+ reduction: 'Réduction hâtive (allocation annuelle) : {pct} — {f}',
+ none: 'Aucune — vous avez droit à une pension sans réduction',
+ fF1: 'Formule 1', fF2: 'Formule 2', fMin: 'la plus faible de F1 et F2',
+ atRet: 'Votre pension à la retraite (dès {age} ans)',
+ from65: 'À partir de 65 ans (fin du raccordement)',
+ lt2: 'Moins de 2 années de service : remboursement des cotisations seulement — pas de rente.',
+ deferred: 'Vous prenez votre retraite avant 55 ans (groupe 2) : modélisé comme pension différée — pension sans réduction dès 65 ans. Autre option : une allocation annuelle dès 55 ans serait réduite de 50 % de façon permanente.',
+ under50: 'Retraite avant 50 ans (groupe 1) : l\'allocation annuelle est payable à partir de votre 50e anniversaire, calculée à 50 ans selon la formule 1 — réduction de 50 %.',
+ under55: 'Payable dès 55 ans, calculée à 55 ans selon la formule 1 — réduction de 50 %.',
+ bridgeEnds: 'La prestation de raccordement prend fin le mois de votre 65e anniversaire (avant 65 ans seulement en cas d\'invalidité RPC/RRQ).',
+ nSurvivor: 'Conjoint survivant : 50 % de la pension avant 65 ans calculée avant toute réduction, plus les allocations aux enfants jusqu\'à 18 ans (25 ans aux études).',
+ nIndex: 'Indexation : la pension est augmentée chaque 1er janvier selon l\'IPC.',
+ nPartTime: 'Le service à temps partiel est prorogé selon les heures de service assignées — non modélisé; temps plein présumé.',
+ nSplit: 'La prestation de raccordement est une rente temporaire — exclue du fractionnement du revenu de pension (choix prudent). La pension viagère est fractionnable à tout âge.',
+ sources: 'Sources :',
+ srcPspc: 'PSCC — formule et réductions ({d})',
+ srcGlance: 'SECT — la pension en bref',
+ srcGloss: 'SECT — glossaire (MMGP)',
+ srcCra: 'ARC — fractionnement du revenu de pension',
+ srcYmpe: 'ARC — PGMA {v} ({y})',
+ srcIt: 'Convention collective TI — SECT–PSAC ({d})',
+ dataAsOf: 'constantes au {d}'
+ }
},
g3: {
h: 'Dépenses vs ce que vous aurez',
@@ -366,7 +504,7 @@
cpp: 'RPC', oas: 'SV', gis: 'SRG', tax: 'Impôt + récup.', unfunded: 'Non financé'
},
d: {
- main: 'Estimations seulement — il ne s\'agit pas de conseils financiers. Modèle simplifié : retrait progressif simplifié de 50 % pour la SRG; Québec présenté avec le dégagement fédéral de 16,5 % (RRQ et cotisations sociales québécoises non modélisés); pensions à prestations non modélisées; rendements à taux réels constants; surtaxe de l\'Ontario calculée sur l\'impôt de base.',
+ main: 'Estimations seulement — il ne s\'agit pas de conseils financiers. Modèle simplifié : retrait progressif simplifié de 50 % pour la SRG; Québec présenté avec le dégagement fédéral de 16,5 % (RRQ et cotisations sociales québécoises non modélisés); pension de la fonction publique fédérale (LRFP) modélisée si activée — autres pensions à prestations non modélisées; rendements à taux réels constants; surtaxe de l\'Ontario calculée sur l\'impôt de base.',
privacy: '🔒 100 % côté client — vos réponses ne quittent jamais votre navigateur. Vos réponses ne sont enregistrées que dans ce navigateur (localStorage).'
},
res: {
diff --git a/site/index.html b/site/index.html
index c820830..c5f6fe0 100644
--- a/site/index.html
+++ b/site/index.html
@@ -70,6 +70,7 @@
+
@@ -94,7 +95,7 @@
-
Estimates only — not financial advice. Simplified model: GIS uses a simplified 50% phase-out; Quebec shown with the 16.5% federal abatement (QPP and Quebec payroll taxes not modelled); DB pensions not modelled; returns are constant real rates; Ontario surtax modelled on base tax.
+
Estimates only — not financial advice. Simplified model: GIS uses a simplified 50% phase-out; Quebec shown with the 16.5% federal abatement (QPP and Quebec payroll taxes not modelled); federal public service pension (PSSA) modelled when enabled — other DB pensions not; returns are constant real rates; Ontario surtax modelled on base tax.
tax rates 2026
🔒 100% client-side — answers never leave your browser. Your answers are saved only in this browser (localStorage).