Retirement calculators for Canadians
Ten tools built on the same 2026 CRA and Service Canada figures. Each runs in your browser, explains its assumptions, and lets you share a link to your inputs or download the results.
Big picture
Will the money last, and how much is enough?
Retirement plan model
Savings, returns, inflation and longevity, with a range of market outcomes.
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How much do I need?
Nest egg needed after CPP, OAS, pension and tax — and the monthly gap.
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Downloadable plan summary
One page with your inputs and results, ready to download or print.
Open the tool →Government benefits
Timing CPP and OAS, and the recovery tax.
Accounts
Where to save and what you must withdraw.
Tax and drawdown
Which account first, and splitting with a spouse.
Withdrawal order
Four drawdown orders compared on lifetime tax, clawback and estate.
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Pension income splitting
The split (0–50%) with the lowest combined tax and clawback.
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Retirement income tax
2026 federal and provincial tax on CPP, OAS, pension and RRIF income.
Open the tool →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.