Stop guessing if you'll have enough to retire.
See your after-tax income, year by year. Canadian taxes, CPP/OAS timing, and what-if scenarios to test your plan.
Free to use. Anonymous. Accurate.
Sound familiar?
You've saved for decades but have no idea if it's enough
You've Googled "when should I take CPP" more than once
You don't know if you should draw from your RRSP or TFSA first
You've tried other calculators and left more confused than when you started
You're not sure how much taxes will eat into your retirement income
If you nodded at any of these, keep scrolling.
This is what clarity looks like.
(Click any screenshot to view full size)
A single number won't prepare you for retirement. Real math will.
| Feature | Other Calculators | Our Calculator |
|---|---|---|
| Tax accuracy | Generic estimates | Federal + provincial |
| Account types | Lumped together | RRSP, TFSA, non-registered separately |
| Assumptions | Locked rates, one-size-fits-none | Customizable inflation, returns, spending |
| Income display | Gross (before tax) | After-tax spendable income |
| CPP/OAS timing | Fixed at 65 | Adjustable 60-70 with impact shown |
| Year-by-year detail | Hidden or none | Full transparency, every year |
| What-if scenarios | None or limited | 12 built-in scenarios |
| AI explanation | None | Plain-language insights |
The details matter. That's why we included all of them.
Government Benefits
- • CPP age adjustments (60-70)
- • OAS clawback calculations
- • CPP/OAS timing comparison
- • Inflation-adjusted projections
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 scenarios
- • Load and modify saved plans
Start Planning Free
Free to use. Anonymous. Accurate.