Everything You Need to Plan a Confident Retirement
Powerful tools designed specifically for Canadian retirees and pre-retirees
Your Retirement Health at a Glance
One score from 0–100 — like a credit score, but for your retirement plan. It shows how strong your plan is today, and where to focus to improve it.
Find Your Best Withdrawal Strategy
The order you draw from your accounts can change your lifetime tax bill. We compare 8 draw orders — TFSA‑first, RRIF meltdown, GIS‑optimized, and more — and recommend the best fit.
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.
Your Home Is Part of the Plan
Model your primary residence, rental income, mortgage payments, and a planned downsize — sale price, new home cost, and the equity it frees up. The principal residence exemption is applied automatically, and real estate flows into your estate projection.
Not Retired Yet? Start Now
Model RRSP and TFSA contributions through your final working years and see the full transition from saving to spending. Couples can retire at different times — one partner keeps earning while the other draws income.
Accurate, Province‑Specific Taxes
Progressive federal and provincial brackets for every province and territory. Includes OAS clawback, GIS and OAS Allowance calculations, age credits, low-income tax reductions, pension income splitting, and 2026 rates.
Personalized Recommendations
AI summaries explain what each result means for your plan — and what’s worth looking at next.
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.
Frequently asked questions
What is the Zest Score?
The Zest Score is a single number from 0–100 that summarizes your retirement plan health. It combines four pillars: plan survival (30 points), lifetime tax cost (25 points), retirement cushion (25 points), and spending reliability (20 points). Higher is better.
How many withdrawal strategies does RetireZest compare?
RetireZest compares 8 withdrawal strategies including TFSA-first, RRIF meltdown, balanced, GIS-optimized, and more. Each strategy is simulated year by year against your actual financial picture, and the best one is recommended based on your Zest Score.
What is the CPP/OAS Timing Optimizer?
The CPP/OAS Timing Optimizer tests every combination of CPP start ages (60, 62, 65, 67, 70) and OAS start ages (65, 67, 70) against your financial picture. It ranks results by net dollar impact — showing how much more or less you keep over your lifetime with each timing choice.
Which Canadian provinces does RetireZest support?
RetireZest supports all 13 Canadian provinces and territories with province-specific tax brackets, credits, and benefit calculations, including Quebec (QPP). All use 2026 federal and provincial tax rates.
Does RetireZest work for couples?
Yes. RetireZest fully supports couples with features like staggered retirement ages, coordinated CPP/OAS timing for both partners, pension income splitting, and household-level tax optimization. It also works great for single individuals.
Can RetireZest model selling or downsizing my home?
Yes. You can include your primary residence, rental income, and a planned downsize — the sale price, the cost of the new home, and what the freed-up equity adds to your retirement income. The principal residence exemption is applied automatically, and real estate is included in your estate projection.
Can I use RetireZest before I retire?
Yes. RetireZest models your working years too. RRSP and TFSA contributions grow your balances until retirement, and couples can retire at different times, with one partner still working while the other starts drawing income.