Will your money last?
Your second act, fully funded.
Whether that's winters in Portugal, more time with grandkids, or just never thinking about money again — start with the number that decides it. Enter what you've saved and see how much you could spend each year, after tax, for the rest of your life.
Assumes CPP of $12,000 and OAS of $8,500 a year from 65, and a 60/40 portfolio growing at FP Canada's projection guidelines. Nothing you type here leaves your browser.
That number assumes one person who stops working today. The full plan runs the same Canadian tax and benefit rules — federal and provincial brackets, CPP and OAS (including the OAS clawback on higher incomes and the 10% raise at 75), the minimum a RRIF makes you withdraw each year, and the order to draw your accounts in — for one or two people, with your working years, pensions and one-time events, today to end of life.
Your numbers stay on your device
The planning engine downloads once and runs in your browser. The balances and incomes you type are calculated on your own computer — they aren't sent to us to be worked out. They're stored only if you sign in and save a plan, and sent to an AI model only if you ask it a question about your plan.
Exactly what we collect, and who we share it with →
Checked against someone else's numbers
A retirement plan is only as good as its tax math. The engine's combined federal-plus-provincial rates are compared against taxtips.ca's published 2026 tables on every change to the code, and these rows are recomputed by the same code that runs your plan.
| Combined marginal rate | This model | taxtips.ca |
|---|---|---|
| Ontario, $60,000 income | 29.65% | 29.65% |
| Ontario, $140,000 income (surtax) | 43.41% | 43.41% |
| Alberta, $60,000 income | 28.5% | 28.5% |
| Alberta, $300,000 income | 47% | 47% |
| Quebec, $60,000 income (incl. abatement) | 36.12% | 36.12% |
| Quebec, $300,000 income | 53.31% | 53.31% |
Every row agrees to within half a basis point. A row that stopped agreeing would fail the build.
Every figure the model uses, and where it comes from →
A sample plan, not a hypothetical
Mara and Devon are invented — a fictional couple, 60 and 58, so you can see the shape of the output before you build your own. Their balances, CPP and OAS, and $85,000/yr spending target run through the same engine every plan on this site uses: real federal and BC tax brackets, the RRIF's forced minimum withdrawals, and the tax-efficient order to spend their accounts in, from now to end of life.
The result: their spending target met every year and a $1,712,600 after-tax estate, in today's dollars.
Their RRSP, TFSA, and non-registered balances, 2026–2065 — built up while working, spent down in retirement.
Why this exists
My wife and I have been planning to retire to Belize for a while now. The big question was always the same: when can we afford to do it?
We didn't need to stop working all at once. We wanted to see what it would look like to slow down over a few transition years — and we couldn't find a tool that modelled that. So I started building one, and it turned into this.
That's why the plan builder takes your working years as a schedule — full salary, then part-time, then retired — instead of a single retirement date. Part-time income pays some of the bills, so your savings last longer.
— Todd Bailey
Quick calculators
- Retirement income calculator
What can your savings support?
- Savings goal calculator
How much do you need to retire?
- Withdrawal order calculator
Which account to spend first
- RRSP meltdown calculator
Draw your RRSP down before OAS?
- CPP / OAS start-age calculator
Start now, or wait?
- CPP / OAS timing for couples
Start ages for both of you, with the survivor's pension
- 2026 income tax calculator
Federal + provincial, any jurisdiction
- Tax at death calculator
What your RRSP, TFSA and investments leave after tax and probate
- Pension splitting calculator
What pension income splitting (T1032) saves a couple, over a lifetime
- Salary vs. dividends calculator
For an incorporated owner nearing retirement
Guides
- Retiring abroad, as a Canadian
Thinking about spending your encore years somewhere else? See what it actually costs, tax-wise.
Or see how CPP, OAS, and income tax work where you live — the province-by-province guides →
What this doesn't model.
The FHSA and attribution rules between spouses aren't in the engine yet, nor the Allowance for the Survivor. Age and pension credit amounts are 2026 approximations. None of that changes the shape of the answer for most households.
Every figure, every source, and everything else the model leaves out →