Educational Retirement Tool
Explore your retirement scenarios for educational purposes. Free, private, and built for Canadians.
Features
CPP & OAS Timing
Optimize when to start CPP and OAS for maximum lifetime benefits.
Provincial Tax Optimization
Compare tax brackets and rates across all Canadian provinces and territories.
RRSP, TFSA & More
Model contributions and withdrawals across registered accounts, including unused FHSA.
Year-by-Year Simulation
See your financial projection for every year from now through age 95.
RRIF Conversion
Automatic RRSP-to-RRIF conversion at age 71 with minimum withdrawal calculations.
Export & Share
Download your plan as PDF or Excel. Share with your financial advisor.
How It Works
Gather Your Data
Enter your income, savings, CPP, OAS, and provincial details.
Run the Simulation
Get a year-by-year breakdown of your retirement income and taxes.
Export Your Plan
Download your results and share them with a financial advisor.
From the Blog
How to Budget for Retirement: A Practical Guide for Canadians
# How to Budget for Retirement: A Practical Guide for Canadians One of the biggest surprises in retirement is how much your spending changes over time. Most people plan a single monthly budget and assume it stays the same for 30 years. It doesn't. Retirement spending follows a predictable pattern
Read MoreRRSP vs TFSA: Which Should You Prioritize for Retirement?
# RRSP vs TFSA: Which Should You Prioritize for Retirement? If you are saving for retirement in Canada, the two most powerful tools available to you are the Registered Retirement Savings Plan and the Tax-Free Savings Account. Both offer tax advantages, but they work in very different ways. Choosing the
Read MoreHow Provincial Taxes Affect Your Retirement Income
# How Provincial Taxes Affect Your Retirement Income When Canadians think about retirement planning, they often focus on how much they have saved and when to start CPP and OAS. But there is another factor that has a major impact on how much money you keep: the province where you
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