See exactly how much you can spend in retirement — with real CPP, OAS, and 2026 tax rules built in.
Over 2,000 retirement plans simulated by Canadians since launch.
Most Canadians face these challenges when planning for retirement
Choosing the wrong age could cost you tens of thousands in lifetime benefits.
Uncertainty about whether your retirement plan can sustain your lifestyle for 25-30+ years.
The wrong withdrawal order from RRSP, TFSA, and non-registered accounts costs you in taxes.
Market drops, high inflation, or unexpected expenses can derail even a solid plan.
Powerful tools designed specifically for Canadian retirees and pre-retirees
A single score from 0-100 tells you instantly if your plan is on track. See how every change affects your overall retirement readiness.
What if inflation spikes? Markets drop? You spend more? Test real-world scenarios and compare results side by side.
Toggle between taking CPP and OAS early or late. See the dollar impact on your plan instantly — per person, per benefit.
We compare 8 withdrawal strategies — TFSA-first, RRIF meltdown, balanced, and more — and recommend the best fit for your situation.
Model corporate accounts with eligible/non-eligible dividends, capital gains, and tax-efficient drawdown from your holding company.
Tap any term — CPP, OAS, RRIF, GIS, OAS clawback — and get a plain-English explanation right where you need it. No jargon.
AI-powered summaries explain what each scenario means for your plan — in plain language, so you can make informed decisions.
Check feasibility → Build your profile → See your Zest Score
Check if early retirement is realistic with our readiness assessment. Get instant feedback on where you stand.
Add your income, assets, expenses, and retirement goals through our guided setup wizard. Learn as you go with built-in explanations.
Get your retirement health score, stress-test with smart scenarios, compare withdrawal strategies, and see year-by-year projections.
Your retirement planning deserves the highest standards of security and precision
Important: RetireZest is a retirement planning tool for educational purposes and does not provide personalized financial advice. Always consult with a licensed financial advisor before making decisions about your retirement.
Everything you need to know about RetireZest
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