# Retraite — Retirement Planning Simulator

A comprehensive French-language retirement planning tool that simulates your financial situation from today through retirement and beyond.

## Files

- **`decaissement-retraite.html`** — Drawdown Calculator  
  Quick simulator focused on "Will my money last?" Calculates if your savings will sustain you through retirement, accounting for government benefits (PSV/RRQ) starting at age 65.

- **`planificateur-retraite.html`** — Full Retirement Planner  
  Complete planning dashboard with detailed account management (REER, CELI, Non-registered, Holding), projections, and withdrawal strategies.

- **`index.html`** — Home/Landing Page  
  Navigation hub linking to both simulators.

- **`index_b64.txt`** — Base64 Asset File  
  Encoded asset library.

## Features

### Drawdown Calculator (`decaissement-retraite.html`)

- **Profile Setup**
  - Current age, retirement age, life expectancy
  - Age progress bar

- **Savings Input**
  - REER / FERR
  - CELI
  - Non-registered account
  - Holding (corporation)
  - Annual contribution

- **Government Income**
  - Quick selector dropdown based on salary (10k–150k)
  - Manual PSV/RRQ entry
  - PSV clawback modeled (reduces above $100k income)
  - Both benefits start at age 65

- **Financial Parameters**
  - Desired annual retirement income
  - Estimated annual return
  - Inflation rate
  - Marginal tax rate (TMI)
  - ETF reference database

- **Outputs**
  - Verdict banner (Viable / Warning / Exhausted)
  - KPI cards (Total savings, value at retirement, duration)
  - Line chart (wealth accumulation & drawdown over time)
  - Year-by-year detailed table
  - Account-by-account breakdown

- **Accessibility**
  - Deuteranopie/Protanopie/Tritanopie-friendly color palette
  - Bilingual (FR/EN)
  - Auto-save to local storage

## Key Rules

### Government Benefits (PSV + RRQ)
- **Start Date**: Age 65 (fixed in this simulator)
- **PSV (Pension de Sécurité Vieillesse)**
  - Max: $8,917/year (at low income)
  - Clawback starts above ~$90k net income
  - Fully depleted above ~$150k net income
- **RRQ (Rentes du Québec)**
  - Based on contribution history
  - Typically 1/3 of salary (approximated)
  - Max: ~$18,092/year
  - Indexed to inflation

### Withdrawal Strategy (Asset Allocation Order)
1. **REER/FERR** (taxable, full inclusion rate)
2. **Holding dividends** (reduced tax at ~65% inclusion)
3. **Non-registered** (capital gains, 50% inclusion)
4. **CELI** (tax-free, last resort)

### Inflation & Indexation
- Government benefits indexed at 50% of inflation rate
- Desired income indexed at full inflation rate

## Usage

### Quick Start
1. Open `decaissement-retraite.html` in a browser
2. Enter your current age, retirement age, and life expectancy
3. Fill in account balances
4. Select salary level in "Estimateur rapide" dropdown (or enter PSV/RRQ manually)
5. Adjust financial parameters as needed
6. View verdict and year-by-year projection

### Salary Presets
| Salary | RRQ | PSV | Total |
|--------|-----|-----|-------|
| $10,000 | $3,333 | $8,917 | $12,250 |
| $20,000 | $6,667 | $8,917 | $15,584 |
| $30,000 | $10,000 | $8,917 | $18,917 |
| $40,000 | $13,333 | $8,917 | $22,250 |
| $50,000 | $16,667 | $8,917 | $25,584 |
| $60,000 | $18,092 | $8,917 | $27,008 |
| $60,000+ | $18,092 | $8,917 | $27,008 |
| $100,000 | $18,092 | $7,566 | $25,658 |
| $150,000+ | $18,092 | $0 | $18,092 |

## Data Persistence
- All inputs auto-save to browser local storage
- Language preference (FR/EN) saved
- Clear all → "Reset to Defaults" button

## Technical Details

- **Pure HTML/CSS/JavaScript** — No external dependencies
- **Canvas-based Chart** — Custom rendering for accessibility
- **Responsive Design** — Works on mobile & desktop
- **Accessibility First** — Tested for colorblind users

## Disclaimer

This tool provides **approximate estimates only** and should not be considered formal financial or tax advice. Actual government benefits, tax implications, and investment returns vary by individual circumstances. Consult a financial advisor for personalized planning.

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**Language**: Primarily French with English toggle  
**Version**: 2024-2025  
**Author**: Retirement Planning Project