WinmodeAI · Week 1 · Know Your Number

What does retirement
actually cost you?

Move the sliders to match your real numbers — not what you hope they'll be. Add any expenses unique to your situation. The gap at the bottom is your starting point.

Monthly income in retirement

Social Security / CPP / OAS Your expected monthly government benefit
$1,800
Pension Defined benefit or employer pension monthly payment
$0
401k / RRSP / IRA withdrawals Planned monthly draw from retirement savings
$1,200
Part-time or contract work Any income you expect to continue earning
$0

Monthly expenses

Housing & utilities Mortgage or rent, property tax, utilities, strata/HOA
$1,800
Healthcare & insurance Premiums, co-pays, prescriptions, dental, vision
$600
Food & groceries Groceries, dining out, coffee
$700
Transportation Car payment, insurance, fuel, maintenance, or transit
$500
Travel & leisure Holidays, subscriptions, hobbies, dining out
$400
Long-term care reserve Monthly set-aside for future in-home or facility care
$300
Family support Adult children, ageing parents, grandchildren
$0
Everything else Clothing, personal care, gifts, miscellaneous
$300

Your number

Monthly income
$3,000
Monthly expenses
$4,600
Monthly gap
-$1,600
Income covers 65% of expenses
You're currently short $1,600 every month. That gap compounds over time — a 20-year retirement means roughly $384,000 in unplanned shortfall before any unexpected health costs. This is the number Week 1 is designed to make real.
Your takeaway prompt — copy this into ChatGPT or Claude
Loading...

Keep your numbers safe

Send me my numbers.

Enter your first name and email below. I'll send you a personal copy of the numbers you just built — plus a plain-English explanation of what our Retirement Readiness program does and how it can help close the gap.

Your details stay private. We'll follow up with helpful retirement content — unsubscribe any time.

Kevin Needham WinmodeAI · kevinneedham.com