Real situations, worked through
Each started as a question someone asked. Kilter worked through it with thousands of simulations and every year's taxes. Open any of them as a demo and change what you like.
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94%chance of success, as planned
Winding down a doctor's corporation at 60
OntarioIPPCorporationAn incorporated Ontario doctor with an IPP, an RRSP and $1.3 million in the corporation, retiring at 60. When to start each, and what retiring sooner costs.
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96%chance of success, as he pays himself now
Incorporated doctor: salary or dividends?
British ColumbiaCorporationSalary or dividendsA Vancouver doctor with $3 million in his corporation: a set salary, refundable tax first then salary, or the most RRSP room.
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75%chance of success, with her set salary
Quebec incorporated doctor: salary or dividends?
QuebecCorporationAlso in FrenchA Montreal doctor with $1.5 million in her corporation, retiring at 63. A set salary, or dividends that free refundable tax first, then salary?
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94%chance of success, as planned
Retiring with a holding company: an incorporated couple
OntarioCoupleCorporationAn Ottawa couple retiring with $1.2 million in a corporation, RRSPs and TFSAs. Extra dividends, an RRSP meltdown, CPP and OAS at 70, and retiring sooner.
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22%chance of success, retiring single
Can I retire at 60 with $1 million in Canada?
British ColumbiaRRSP and TFSASingle or marriedDana retires at 60 in BC with $1 million in her RRSP and TFSA and spends $6,000 a month. Whether it lasts, single or married, and what CPP at 70 changes.