The Ultimate Canadian Retirement Calculator
100% Canadian. Tax-accurate. Future Teller.
Plan Your Canadian Retirement with Confidence
Tax-accurate projections with CPP/OAS optimization, RRSP/TFSA modeling, and provincial tax calculations. No ads. No personal information required.
Start Planning NowWhat Makes Us Different
100% Canadian
Built specifically for Canadian tax rules, government benefits, and registered accounts. Federal and provincial calculations for all 13 jurisdictions.
Tax-Accurate
Sophisticated tax engine models federal and provincial taxes, OAS clawback, RRIF minimums, and tax-efficient withdrawal strategies.
No Ads. No Tracking.
No personal information required to use the calculator. No ads. No data selling. Just honest retirement planning tools.
Powerful What-Ifs
Compare unlimited scenarios instantly. See exactly how different decisions impact your retirement income and legacy.
Explore Every Possibility
Test different strategies side-by-side. See how each decision affects your retirement income, taxes, and legacy. Make informed choices with confidence.
Retire Earlier or Later?
Compare retiring at 60 vs 65 vs 70. See how each choice affects your lifetime income and portfolio longevity.
Delay CPP/OAS Benefits?
Should you start CPP at 60, 65, or 70? Compare guaranteed lifetime increases against early access needs.
Front-Load Withdrawals?
Spend more in early retirement, less later? See how front-loading affects taxes, OAS clawback, and portfolio survival.
Downsize Your Home?
Model the tax impact of selling your home and investing proceeds. Compare different timing scenarios.
Preserve a Legacy?
Optimize withdrawals to leave a specific amount for heirs. See how legacy goals affect your retirement spending power.
Part-Time Work in Retirement?
Model additional income from consulting or part-time work. Understand tax implications and OAS impact.
How It Works
Enter Your Information
Provide your age, retirement date, savings (RRSP/TFSA/Non-reg), expected CPP/OAS, and desired retirement income. No personal details required.
Get Your Baseline Projection
See year-by-year projections of your portfolio balance, income composition, taxes paid, and after-tax income. Interactive charts and detailed breakdowns.
Explore What-If Scenarios
Click any what-if button to instantly compare variants. Retire earlier? Delay CPP? Front-load spending? See side-by-side results.
Save and Compare
Save unlimited scenarios to compare later. Load saved plans and create new variants. Track your planning progress over time.
Make Informed Decisions
Use insights from multiple scenarios to make confident retirement decisions. Understand trade-offs and optimize your strategy.
Comprehensive Planning Features
Government Benefits
- • CPP age adjustments (60-70)
- • OAS clawback calculations
- • Optimal start age analysis
- • GIS eligibility modeling
Registered Accounts
- • RRSP/RRIF withdrawal strategies
- • RRIF minimum calculations
- • TFSA tax-free growth
- • Optimal withdrawal sequencing
Tax Calculations
- • Federal & provincial taxes
- • Income source treatment
- • Tax credits & deductions
- • Marginal rate analysis
Income Modeling
- • Employment/self-employment
- • Pension income (with indexing)
- • Bridge benefits
- • Variable spending patterns
Visualization
- • Portfolio balance charts
- • Income composition graphs
- • Tax impact analysis
- • Year-by-year breakdowns
Scenario Management
- • Save unlimited scenarios
- • Side-by-side comparisons
- • One-click what-if variants
- • Load and modify saved plans
Ready to Plan Your Retirement?
Start with a free baseline projection. No credit card. No personal information. No obligations.
Get Started Free