Cashflows and Portfolios is a free online resource providing beginning-to-end content for all Do-It-Yourself (DIY) investors. We offer a free newsletter to your inbox offering wealth-building tips; suggestions; retirement case studies; and more to help you manage your retirement nest egg over time. We also offer personalized low-cost financial projections services beyond all the free content to support all DIY investors by DIY investors!

Check out our low-cost Retirement Projections Services here!

Learn about who we are, why we do what we do, and how we intend to support all DIY investors as DIY investors ourselves right here.

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If financial projections and retirement readiness are what you are after, we using some professional financial software (software that we are using for our own plans in fact), and making it available to you in our affordable and value-packed membership options. With this powerful software, we provide a detailed report(s) that answers questions specific to your financial situation and assumptions such as:

  • Do I have enough to retire?
  • When can I retire?
  • Will I run out of money in retirement?
  • What is the most I can spend in retirement?
  • How much of a financial legacy can I leave behind?
  • Should I take CPP at age 65 or 70?
  • How do I minimize OAS clawback?
  • Which account (and when) should I withdraw from for the highest tax efficiency and estate value?

Featured articles

Could You Retire if the Global Financial Crisis Happened Again?

Could you retire if The Global Financial crisis happened again?

Could you retire if the Global Financial Crisis happened again? With stocks tanking recently this summer along with rumours of another recession looming thanks to our existing housing crisis in Canada coupled with higher interest rates – we think this is a legitimate question to ask. You might recall The Global Financial Crisis (GFC) turned a few retirement dreams into investing nightmares. Stocks plunged in…

How to Start Investing for Beginners

how to start investing in canada

How to start investing can be challenging for many and there is seemingly so much information to know. It’s also a challenge to figure out who to trust – so many people want your money! How can you start investing? What accounts should you start investing with? Should you buy: funds/ETFs or individual stocks? Today’s post answers those questions and much more with references to…

Latest articles

The Best Free Retirement Calculators

free retirement calculator canada

If there is one predominant concern from our readers here at Cashflows & Portfolios, it’s about sound retirement cash flow planning. That’s probably not too surprising. These are some of the top retirement planning questions out there today: How long will my money last? Did I save enough? How much can I spend before I run out of money? I’m currently saving $X. Am I…

How Much Do I Need to Save to Retire by 60?

how to retire by 60 image

How much do you need to save to retire by age 60? Can retirement occur at all despite not really saving for retirement until age 45? Waiting to save for retirement certainly has risks. Read on to learn more including how our latest case study shows you it’s possible to retire by age 60 despite starting a little later in the game. Financial independence facts…

How Much Do I Need to Save to Retire by 50?

retire by 50 image

How much do you need to save to retire by age 50? Could early retirement by age 50 occur using the appreciated value of your home? Is that an option for you? It’s absolutely an option for some given how hot real estate has been in Canada. Read on to learn more and why using the appreciated value of your home could work wonders for…

How Much Do I Need to Save to Retire by 40?

retire by 40

How much do you need to save to retire by age 40?  The simple facts are: if you save early, save often, and invest your money wisely it has the potential to grow. In fact, it might grow to the point whereby you can consider retiring earlier than most. Financial independence facts to remember Financial Independence (FI) is a simple concept and with some planning…

Savings by Age – Are You Saving Enough?

Savings by age

Have you considered the amount of cash savings by age you should have?  As you navigate through life, it’s probably a given your savings goals will change. Your needs and wants will evolve. So will your “sleep at night” factor. We know, we’ve been there and continue to think about money too. Based on our experiences and from the interactions we’ve had with tens of…

When Should I Start Investing?

when should i start investing

Synopsis:  One question that we often see, particularly from young people, is “When should I start investing?”  This article will review factors such as debt, emergency funds, and a couple of scenarios showing Steve who is risk-averse and invests in cash-only instruments, vs Susan who believes in the benefits of long-term investing in equities. Maybe after reading our bios or one of our comprehensive posts…

Carrying a Mortgage into Retirement – An Early Retiree Case Study

carrying a mortgage into retirement

Synopsis: The following case study was prepared to demonstrate how investors may consider structuring their asset drawdown plans, including carrying a mortgage into retirement. Thanks to a reader, Adam (changed for privacy/publishing purposes), for sharing their information. Carrying a Mortgage into Retirement Adam admits, his retirement draw-down plans with his wife might be a bit more complicated than most but like most retirees, he wants…

When to Take CPP in Retirement – A Case Study

when to take cpp case study

Synopsis: The following case study was prepared to demonstrate how investors may consider structuring their asset drawdown plans, including when to take Canada Pension Plan (CPP) in retirement. Thanks to a reader, Cindy (changed for privacy/publishing purposes), for sharing their information. When to take CPP in retirement Cindy has worked hard, has maintained a great paying job for many years, and is now ready to…

The Truth about Retirement Income Planning

retirement income planning

If you’ve landed on this page today, you’re already aware that any retirement income planning truly starts with you. You are ultimately the one that must decide how your retirement will look and feel like.  It will take some thought.  It will take some planning on your part. It may even take some changes. But on this section of our site, however, it is our…

$100 Amazon Gift Card Giveaway Draw!

*** This giveaway is now closed – Congratulations to Trisha! *** $100 Amazon Gift Card Giveaway Draw! Thanks for stopping by Cashflows & Portfolios, a new site dedicated to helping you become wealthier regardless of your stage of life. We (Mark and Joe) are personal finance bloggers that have been around the block (more than once!) with a combined experience of over 25 years in…