Retirement after your plan horizon.
'; return; }
var ages = yrs.map(function (r) { return r.age; });
var X = sc(ages, ages[0], ages[ages.length - 1]);
var series = [
['CPP', COL.cpp, yrs.map(function (r) { return r.cpp; })],
['OAS (net)', COL.oas, yrs.map(function (r) { return Math.max(0, r.oasGross - r.oasClawback); })],
['GIS', COL.gis, yrs.map(function (r) { return r.gis; })],
['From savings', COL.wdr, yrs.map(function (r) { return r.rrifWithdrawal + r.nonregW + r.tfsaW; })]
];
var n = ages.length, tot = [], i, acc;
for (i = 0; i < n; i++) tot[i] = series.reduce(function (s, se) { return s + se[2][i]; }, 0);
var ymax = Math.max(1000, Math.max.apply(null, tot) * 1.08), Y = sy(ymax);
var inner = axes(ages, ymax, X, Y);
var lower = new Array(n).fill(0);
series.forEach(function (se) {
var upper = se[2].map(function (v, j) { return lower[j] + v; });
inner += 'The gap
' + money(rec.gapAnnual) + '/yr
between your planned spending and what the plan can safely fund.
';
cards += '
💪 Save more
+' + money(rec.extraMonthly) + '/mo
' +
(rec.extraMonthly > 0 ? '
extra RRSP room from today closes the gap entirely. ~' + pct(rec.extraMonthly / Math.max(1, p.income / 12)) + ' of income.
' : '
Not closable by saving alone — see the other two levers.
') + '
';
cards += '
🕰 Work longer
' + (rec.retireDelayYears ? '+' + rec.retireDelayYears + (rec.retireDelayYears === 1 ? ' year' : ' years') : '—') + '
' +
(rec.retireDelayYears ? '
retiring at ' + Math.min(p.retireAge + rec.retireDelayYears, 75) + ' instead of ' + p.retireAge + ' closes the gap — and CPP/OAS grow while you do.
' : '
Within 10 extra years, delaying retirement alone can’t close this gap — combine levers.
') + '
';
cards += '
🌿 Trim spending
−' + money(rec.spendingReduction) + '/yr
to ' + money(Math.max(0, p.spendingAnnual - rec.spendingReduction)) + '. The cheapest lever, and the one nobody talks about at 45.
';
} else {
cards = '
✅ Status
On track
No gap at ' + money(p.spendingAnnual) + '/yr. Consider testing a bigger number with the what-if sliders.
' +
'
Headroom
' + money(ss - p.spendingAnnual) + '/yr
you could add to spending — or save for the cottage.
' +
'
🛡 Stress-tested
' + money(ss) + '/yr
sustainable real spending to ' + p.lifeExp + ' with RRIF minimums and taxes enforced.
';
}
$('#gap-cards').innerHTML = cards;
g1_balance(proj); g2_income(proj, p); g3_cash(proj); g4_bars(p, fast);
var tbl = '
| Age | RRSP | TFSA | Non-reg | Total | Withdraw | CPP | OAS | GIS | Tax+claw | Unfunded |
|---|
';
var n = 0;
proj.years.forEach(function (r) {
if (r.phase !== 'draw' && r.age % 5 !== 0) return; n++;
tbl += '
| ' + r.age + ' | ' + k(r.rrspBal) + ' | ' + k(r.tfsaBal) +
' | ' + k(r.nonregBal) + ' | ' + k(r.totalBal) + ' | ' + k(r.rrifWithdrawal + r.nonregW + r.tfsaW) +
' | ' + k(r.cpp) + ' | ' + k(r.oasGross - r.oasClawback) + ' | ' + k(r.gis) + ' | ' + k(r.tax + r.oasClawback) +
' | ' + (r.unfunded > 1 ? k(r.unfunded) : '—') + ' |
';
});
$('#yr-table').innerHTML = tbl; $('#yr-n').textContent = n;
var m2 = function (v) { return '$' + Number(v).toLocaleString('en-CA', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); };
$('#stamp').textContent = 'tax rates 2026 · CPP max ' + m2(C.cppMax65Monthly.value) + '/mo · OAS max ' + m2(C.oasMax6574Monthly.value) + '/mo · GIS max ' + m2(C.gisMaxSingleMonthly.value) + '/mo · constants as of ' + C.asOf + ' · RRIF table CRA Reg. 8301(1)';
var a = state.a;
$('#wi-spend').value = (state.wi.spend != null ? state.wi.spend : a.spendingAnnual);
$('#wi-ctrb').value = (state.wi.ctrb != null ? state.wi.ctrb : a.monthlyContribution);
$('#wi-ret').value = (state.wi.ret != null ? state.wi.ret : a.retireAge);
$('#wi-cpp').value = (state.wi.cpp != null ? state.wi.cpp : a.cppStartAge);
wiLabels();
renderVision(a);
save();
}
function wiLabels() {
$('#wi-spend-o').textContent = money(+$('#wi-spend').value);
$('#wi-ctrb-o').textContent = money(+$('#wi-ctrb').value) + '/mo';
$('#wi-ret-o').textContent = $('#wi-ret').value + ' yrs';
$('#wi-cpp-o').textContent = 'age ' + $('#wi-cpp').value;
}
var wiTimer = null;
function wiChange(key, el) {
state.wi[key] = +el.value; wiLabels();
clearTimeout(wiTimer); wiTimer = setTimeout(function () { renderResults(true); }, 250);
}
$('#wi-spend').addEventListener('input', function () { wiChange('spend', this); });
$('#wi-ctrb').addEventListener('input', function () { wiChange('ctrb', this); });
$('#wi-ret').addEventListener('input', function () { wiChange('ret', this); });
$('#wi-cpp').addEventListener('input', function () { wiChange('cpp', this); });
/* ---------- wiring ---------- */
$('#btn-begin').onclick = function () { showScreen('quiz'); renderStep(); liveUpdate(); };
$('#btn-back').onclick = function () { if (state.step > 0) { state.step--; save(); renderStep(); } };
btnNext.onclick = function () {
var vs = visibleSteps();
if (state.step < vs.length - 1) { state.step++; save(); renderStep(); }
else { g4cache = null; showScreen('results'); renderResults(false); }
};
$('#btn-edit').onclick = function () { showScreen('quiz'); renderStep(); liveUpdate(); };
$('#btn-restart').onclick = function () {
if (!confirm('Start over? Clears saved answers in this browser.')) return;
try { localStorage.removeItem(LS); } catch (e) { }
history.replaceState(null, '', location.pathname);
state.a = defaults(); state.wi = {}; state.step = 0; g4cache = null;
showScreen('intro');
};
$('#btn-print').onclick = function () { window.print(); };
$('#btn-share').onclick = function () {
var url = location.origin + location.pathname + '#p=' + encState();
var done = function () { $('#btn-share').textContent = '✅ Link copied'; setTimeout(function () { $('#btn-share').textContent = '🔗 Copy link with my answers'; }, 1800); };
if (navigator.clipboard && navigator.clipboard.writeText) navigator.clipboard.writeText(url).then(done, done);
else done();
};
document.addEventListener('click', function (e) {
var h = document.querySelector('.panel-h');
if (h && h.contains(e.target)) document.getElementById('panel').classList.toggle('open');
});
var savedScreen = state.screen, savedStep = state.step;
showScreen(savedScreen);
if (savedScreen === 'quiz') { renderStep(); liveUpdate(); }
else if (savedScreen === 'results') { renderResults(false); liveUpdate(); }
})();