Free planning tool
Retirement Spending Plan
Build a simple budget to estimate how much after-tax income you’ll need in retirement.
Open toolRetirement planning tools
Start with your spending needs, explore your savings, and plan your retirement income.
Free planning tool
Retirement Horizon
Explore how your savings and contributions could grow before retirement.
Open tool
Free planning tool
Income Sequencer
Explore when to draw from pensions and savings to support your income and manage taxes.
Open tool
Free planning tool
Pension Credit Calculator
Check which pension income qualifies based on your age, and estimate your 2026 federal and provincial pension credit savings.
Open tool
Free planning tool
Pension Split Calculator
Find an estimated optimal employer pension split using 2026 federal and provincial taxes, and compare the household impact of different split ratios.
Open tool
Free planning tool
MER Impact Over Time
See how fund expenses and lost compound growth affect your savings. Compare VFV.TO or a custom MER with 1.5%, 2% and 3% fees.
Open tool
Free planning tool
Net Income & Tax Calculator
Understand your take-home pay after taxes and payroll deductions so you can plan how much to set aside for retirement.
Open tool
Free planning tool
LIRA/LIF 50% Unlocking Calculator
Estimate your eligible 50% pension unlocking amount and check the rules for your provincial or federal jurisdiction.
Open tool
Free planning tool
Commuted Value (CV) vs. Copycat Pension Analyzer
Estimate your locked-in transfer limit, tax exposure on the excess, and whether a lump sum could replicate your monthly DB pension.
Open tool
Free planning tool
Safe Withdrawal Rate (SWR) Stress-Tester
Replay Canadian market crashes with ongoing withdrawals and compare a stock-and-bond portfolio against 100% equities.
Open tool
Free planning tool
CPP/OAS Optimization Clock
Visualize earlier benefits versus waiting until 70, including the permanent 42% CPP increase, cumulative payments and break-even ages.
Open tool
Free planning tool
Annuity Income Estimator
Estimate the lifetime monthly income part of your nest egg could buy using dated Canadian insurer quotes, with single-life and 10-year guarantee options.
Open tool
Free planning tool
OAS Clawback Predictor
Project income growth, flag the years OAS recovery could begin, and explore strategies to reduce net income and preserve benefits.
Open tool
Free planning tool
RRIF Minimum Withdrawal Calculator
Project annual RRIF minimum withdrawals and remaining balances, using your age or your spouse’s elected age.
Open tool