Everything You Need to Plan a Confident Retirement
Powerful tools designed specifically for Canadian retirees and pre-retirees
Your Retirement Health at a Glance
A single score from 0–100 tells you instantly if your plan is on track. Four pillars — plan survival, tax cost, retirement cushion, and spending reliability — combine into one clear number.
Find Your Best Withdrawal Strategy
We compare 8 withdrawal strategies — TFSA‑first, RRIF meltdown, balanced, GIS‑optimized, and more — and recommend the best fit for your situation.
When Should You Take Benefits?
Sweeps CPP ages 60–70 and OAS ages 65–70 to find the combination that maximizes your net lifetime impact. Shows dollar savings, not just percentages.
How Resilient Is Your Plan?
Run thousands of market scenarios to see your plan's probability of success. Test against inflation spikes, bear markets, and sequence‑of‑returns risk.
Plan Together or Solo
Full support for couples with staggered retirement ages, coordinated CPP/OAS timing, and household‑level tax optimization. Works great for singles too.
Built for Business Owners
Model corporate accounts with eligible and non‑eligible dividends, capital gains, RDTOH refunds, and tax‑efficient drawdown from your holding company.
Accurate, Province‑Specific Taxes
Progressive federal and provincial brackets for AB, BC, ON, and QC. Includes OAS clawback, GIS calculations, age credits, pension income splitting, and 2026 rates.
Personalized Recommendations
AI‑generated summaries explain what each scenario means for your plan in plain language, with actionable next steps.
Learn While You Plan
Tap any term — CPP, OAS, RRIF, GIS, OAS clawback — and get a plain‑English explanation right where you need it. No jargon.
Free to start. No credit card required.