Will your money last?See it in five minutes.
The free Canadian retirement planner: when to take CPP and OAS, which account to draw from first, what tax takes, and how long your savings last — all from published government figures.
- Canadian rules — CPP, OAS, RRIF & 2026 tax
- Every figure sourced, all 57 of them
- Private — your numbers never leave your browser
- Instant — nothing to sign up for
Build your plan
Educational projections from published figures — not advice.
Your numbers
The projection updates when you run your plan.
Scenarios are saved locally in this browser — nothing is sent anywhere.
Try different timing
Move the start ages and watch the verdicts change.
Balanced spends non-registered money first, then RRSP/RRIF, TFSA last. RRSP meltdown adds extra RRSP/RRIF withdrawals up to the current federal bracket ceiling — for many situations that trades a little tax now for less tax later.
Where the money sits, by age
End-of-year balances in each account (nominal dollars).
Where each year's income comes from
Benefits, pensions, and withdrawals by age (before tax, nominal dollars).
Working with a larger or more complicated picture? A licensed professional can pressure-test your plan.
Talk to a professional