Map out your retirement, one clear step at a time
Free planning tools and plain-language guides for Canadians: when to start CPP and OAS, how much to save, RRSP or TFSA, RRIF minimums, and which account to draw from first.
Quick check: how big a nest egg?
Illustration: Ontario, retire at 65, plan to 95, CPP $1,000/month at 65, full OAS, 3.5%/2.5% real returns. Adjust every assumption.
Ten calculators, one set of official 2026 rules
Each tool uses the same CRA and Service Canada figures, runs in your browser, and lets you copy a link or download your results.
Retirement plan model
Savings, returns, inflation and longevity, with a range of market outcomes.
Open →ToolCPP start-age comparison
Monthly amounts and break-even ages for every start age from 60 to 70.
Open →ToolOAS timing and clawback
Recovery tax above the 2026 threshold and the value of deferring to 70.
Open →ToolRRSP vs TFSA
After-tax value of the same pre-tax dollars in each account.
Open →ToolRRIF minimum withdrawals
The CRA minimum each year, with balances, using your or your spouse's age.
Open →ToolWithdrawal order
Four drawdown orders compared on lifetime tax, clawback and estate.
Open →ToolPension income splitting
The split (0–50%) with the lowest combined tax and clawback.
Open →ToolHow much do I need?
Nest egg needed after CPP, OAS, pension and tax — and the monthly gap.
Open →ToolRetirement income tax
2026 federal and provincial tax on CPP, OAS, pension and RRIF income.
Open →ToolDownloadable plan summary
One page with your inputs and results, ready to download or print.
Open →The 2026 numbers behind every tool
Where are you on the trail?
The priorities change as you go: from building TFSA room in your 20s to choosing CPP timing and RRIF withdrawals in your 60s and 70s.
Worked examples, not hand-waving
36 in-depth guides, each with examples calculated by the same tools you can use.
How much do you need to retire in Canada? Start with spending, not a magic number
A step-by-step way to estimate a Canadian retirement savings target: start from spending, subtract CPP and OAS, allow for tax, then size the gap.
Read the guide →CPP at 60, 65 or 70: what changes and when it evens out
How starting CPP at 60, 65 or 70 changes the monthly amount, when a later start catches up in total, and the other factors that shape the timing decision.
Read the guide →The OAS clawback explained: how the recovery tax works in 2026
How the OAS recovery tax (clawback) works, the 2024–2026 income thresholds, the 15% rate, and a worked Alberta example with lifetime totals.
Read the guide →Which account to draw from first in retirement, and why the order matters
How the order of RRSP/RRIF, TFSA and non-registered withdrawals changes lifetime tax, OAS recovery tax and your estate, with a worked Alberta example.
Read the guide →Converting your RRSP to a RRIF: the age-71 deadline and what follows
What happens when an RRSP matures at 71, the three options, how the first RRIF minimum is set, and a worked Nova Scotia example with tax estimates.
Read the guide →Snowbirds and retiring abroad: what changes for your benefits, taxes and health coverage
What Canadian snowbirds and retirees moving abroad need to check: residency, provincial health coverage, OAS and CPP payments abroad, and tax on income.
Read the guide →Prefer to talk it through?
Answer a few questions in our guided planning chat and see which CPP, OAS, RRSP and TFSA topics matter most for you, with fact cards and checklists along the way.
The chat sends what you type to our planning assistant to generate replies. Please don't share account numbers or your SIN. Educational information only.
Questions about RetirementPlanner.ca
Is RetirementPlanner.ca free?
Where do the CPP, OAS, RRSP and TFSA figures come from?
How accurate are the projections?
Can I use the tools if I'm self-employed or part of a couple?
Does this site give financial advice?
What about Quebec?
Educational estimate, not advice. Results depend on your inputs and the assumptions listed. They are not a prediction of returns or a recommendation. Check benefit amounts in your My Service Canada Account and tax details with the CRA. Read the disclaimer.