1. Build your base plan
Use the guided setup to enter only the essentials first. Beginner mode stays on by default.
Start with a guided plan, then go deeper only when you need to
The planner is organized into a simple flow: build your plan, review the story in the results, test scenarios, then explore the deeper tools.
2. Understand your outcome
See whether you are on track, where income comes from, what taxes do, and what to adjust next.
3. Compare scenarios
Try retire later, delay CPP, save more, or add inflation stress without rebuilding your plan from scratch.
Focused calculators
OAS clawback calculator | RRIF withdrawal calculator | CPP timing calculator | Retirement tax calculator
Saved plan or example
Free, local-first, and no account required. Planning estimate only, not financial advice.
Results dashboard
Your retirement story
Start with the outcome, then understand the income mix, the timeline shifts, taxes, and your next best moves.
View
Follow the story
Use the sections in this order if you want the fastest read of your plan.
Outcome summary
At a glance for your current retirement plan.
Retirement savings projection
Your base plan first, with optional stress views and a visible longevity check.
1. Taxes, withdrawals, and the gap
Income coverage
See how guaranteed income, taxable withdrawals, and your spending target interact.
Assumption: For this view, all savings withdrawals are modeled as taxable registered withdrawals (RRSP/RRIF).
Age 65
ⓘ What this chart means
Your spending target is after-tax. Pension/CPP/OAS are taxable, and RRSP/RRIF withdrawals are taxable. That is why gross withdrawal can be higher than the net gap, and why tax drag matters more later in retirement.
2. Timeline and key retirement years
Explain for Age 65
Key years
3. Next actions, stress, and optimization
What to do next
Learn and act in context
Use the education and support links that match the result you are looking at right now.
Open the retirement tax and gross-vs-net explainers before changing assumptions.
Try the side-by-side comparison area instead of changing your base plan directly.
This free tool stays useful because tax rules, UX, and hosting continue to be maintained.
4. Share, export, and compare
5. How this planner works
Planner assumptions in brief
Guided setup
Build your plan step by step
Start simple. Enter the essentials first, unlock advanced controls only when you need more precision.
Recommended path
Complete enough to get a useful answer, then move to Results. You do not need every field before seeing value.
Retirement age, spending target, savings, and pension/CPP/OAS are enough for a first pass.
Go to Results to see if you are on track, what income comes from where, and what the gap is.
Use Scenarios or Tools only after the base plan makes sense.
What this setup covers
About you, income sources, savings, retirement spending, benefits, taxes and assumptions, then your first result.
Step 1 of 7
Direct plan editing
Prefer editing by section instead of using the stepper? Use the cards below.
Scenario exploration
Compare better and worse versions of your plan
Make scenario testing fast: one base plan, quick what-ifs, then a saved comparison table when you want more depth.
Quick scenario chips
Saved comparisons
Save the current plan as a scenario, compare it, and share the outcome when needed.
Learning modules
Retirement basics for Canada
Keep the educational content easy to discover, but connect it directly to planning decisions.
Advanced tools
Deeper controls, calculators, and methodology
Power stays here when you need it: advanced planning settings, notes, glossary, methodology, and focused calculators.
Quick utilities
Advanced planning controls
Notes
Save / Load Plan
Focused calculator pages
Canadian retirement income calculator | CPP timing calculator Canada | OAS clawback calculator | Retirement tax calculator Canada | RRIF minimum withdrawal calculator | RRIF withdrawal calculator | RRSP withdrawal strategy Canada
Methodology and assumptions
How the planner estimates taxes, withdrawals, RRIF minimums, OAS clawback, and stress cases.
Support
Support this free tool
Free, local-first, and no account required. Support helps maintain tax rules, UX improvements, and hosting.
Why support matters
- Tax table and rule maintenance
- UX improvements, charts, and learning content
- Hosting and reliability costs
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If this planner helped you understand your retirement picture, support keeps it improving.