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.