Will you actually run out of money?
Most Canadian retirement calculators stop at “your RRSP grows at 6%”. This one models real CPP/OAS/GIS/RRIF mechanics, provincial taxes fetched live, and the tax cliff most planners won't show you.
- CPP early/late (−0.6%/mo before 65, +0.7% after), OAS deferral, clawback & GIS
- Live 2026 federal + all 13 province/territory tax tables
- RRIF minimums at 71, pension splitting, tax-smart drawdown
- Couples: joint taxes, split pensions, household GIS
🔒 100% client-side — answers never leave your browser. No account, no tracking, nothing is sent anywhere.
~2 minutes. Works on one screen at a time; you can change anything later.
Your plan, in one line
Will it last? Projected savings
Total portfolio (RRSP + TFSA + non-registered), in today's dollars. Shaded: money running out.
Where retirement income comes from
CPP, OAS, GIS and what you must withdraw from savings — stacked, after-tax view.
Spending vs. what you'll actually have
Annual cash in (income after tax & clawback, plus withdrawals) vs. planned spending.
Four futures, one number
Sustainable annual spending that lasts to 95 under each scenario.
Try a what-if — move a slider, watch the plan update
Year-by-year detail (0 years)
Estimates only — not financial advice. Simplified model: GIS uses a simplified 50% phase-out; Quebec shown with the 16.5% federal abatement (QPP and Quebec payroll taxes not modelled); DB pensions not modelled; returns are constant real rates; Ontario surtax modelled on base tax.
tax rates 2026
🔒 100% client-side — answers never leave your browser. Your answers are saved only in this browser (localStorage).