Calm Money Coach
40 With Nothing Saved for Retirement in Canada? Here's the Math
10:09
40 with nothing saved for retirement? You've got about 25 earning years left and a pension floor that's already building. A 2025 HOOPP study found 39% of Canadians have never saved for retirement, so you're in good company.
Meet Jess. She's 40, rents a 1 bedroom in Halifax and earns $70,000. To retire renting there she needs about $41,700 a year after tax in today's dollars, including $6,000…