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Compare what you need to what you'll get

Now it's time to see where you stand:

  1. Total your expected retirement income from Ontario Teachers', OAS and CPP.
  2. Convert this amount to a percentage of your pre-retirement salary.
  3. Compare this percentage to the income needs you calculated.

The difference between your expected and desired income represents the gap you must fill from other sources. This could include income from employment, investment returns or RRSP savings.

If you plan to work in education after retirement, be mindful of limits on how much you can work without affecting your pension.