Canadian Retirement Calculator

Free, private, CRA-aligned projections for CPP, OAS, RRSP, TFSA, and provincial tax optimization. Updated for the 2026 tax year.

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See Sample Scenario

Real output from the Alex scenario — age 50, OMERS pension, $145K RRSP, $52K TFSA, retiring at 60. Load it with one click.

Retirement Readiness
100% Fully Funded
$5,250 monthly budget at 60
$82K annual income at 65
$2.3M peak portfolio
Portfolio Growth
60708090
Grows to $2.3M — pension income covers most expenses
Income at 65
OMERS
$39K
CPP
$15K
OAS
$12K
Total: $66K/year from pensions and benefits at 65
Monthly Budget (Go-go Phase)
$1,600
$1,420
$800
$500
$250
Housing Everyday Travel Transport Health
50+ line items across 3 retirement phases
Load the Alex Scenario Free, no registration, takes 5 seconds
No registration required
We never store your data
Based on CRA tax data
100% free
Couple planning

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

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RRSP vs TFSA: Which Should You Prioritize for Retirement?

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How 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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