Calculators
Each one answers a single retirement question with the same Canadian tax and benefit rules as the full plan, and runs in your browser — nothing you type is sent anywhere.
Spending and savings
How much you can spend, how much you need, and which account to draw from.
- 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 and OAS
When to start your government pensions.
- 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
Tax and your estate
What you pay each year, and what's left after tax at death.
- 2026 income tax calculator
Federal + provincial, any jurisdiction
- Tax at death calculator
What your RRSP, TFSA and investments leave after tax and probate
- Retiring abroad
Snowbird vs. non-resident — what the 25% withholding costs
Couples and business owners
Splitting income with a spouse, and paying yourself from a corporation.
- Pension splitting calculator
What pension income splitting (T1032) saves a couple, over a lifetime
- Salary vs. dividends calculator
For an incorporated owner nearing retirement
A calculator answers one question for one set of numbers. The full plan, free, puts them all together — one or two people, working years, pensions and one-time events, today to end of life.