Canadian retirement planning, done properly
The plan for getting you to, and through, retirement.
This tool models both halves of the problem: the road to retirement and your life in it — with the real Canadian rules that actually decide the answer. Federal and provincial tax brackets, capital gains and dividends, CPP and OAS timing, the OAS clawback, and RRIF minimum withdrawals.
Road to Retirement
Enter your savings, contributions, and assumptions. See the earliest age you can retire and watch your net worth compound year by year.
Life in Retirement
Choose how to draw down — which accounts, when to take CPP and OAS — and compare strategies ranked by the lifetime tax they cost you.
What makes the answer trustworthy
Real tax, to the bracket
A versioned tax engine computes federal + provincial tax, the dividend gross-up and credit, and the 50% capital-gains inclusion — validated against published tables.
Benefits that bite
CPP's actuarial adjustment for taking it at 60 vs 70, OAS with its 75+ bump, the OAS recovery tax, and mandatory RRIF minimums that force taxable income.
Today's dollars
Everything is shown in today's money, so the numbers mean something. The model runs in real terms — the correct way to handle inflation-indexed brackets.
An illustration to think with — not financial advice. Your data stays in your browser for now.