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CANADA & USA RETIREMENT PLANNER

Plan Your Retirement
with Confidence

The free retirement calculator for Canada and the USA. Adjust your numbers and see your projection instantly — Monte Carlo simulations, CPP/OAS, Social Security, 401(k), and RRSP. No login required.

Adjust sliders and watch your plan update live  ·  No login required

Solutech Retirement Planner dashboard showing Monte Carlo simulation, portfolio projection, and income sources
Free
No credit card ever
1,000+
Simulations per plan
2 countries
Canada & USA benefits

What Users Are Saying

“I used this to model delaying CPP to 70. Saved me a full meeting with my advisor — I walked in knowing exactly what to ask.”

Michael T. · Ontario

“Finally a free tool that handles Social Security properly. The Monte Carlo success rate made our decision feel a lot more concrete.”

Jennifer R. · Colorado

“I'm 38 and wasn't sure if maxing my RRSP or a taxable account made more sense at my income. The side-by-side comparison settled it instantly.”

Priya S. · British Columbia

“My wife and I are both 57 — we used this to stress-test retiring at 62 vs 65. Seeing the Monte Carlo difference for just three years was eye-opening.”

David K. · Texas

What's Included

Live Projections

Charts update instantly as you adjust sliders — no reload, no waiting.

Monte Carlo

1,000 simulated market scenarios give you a probability your plan survives.

CPP / OAS / Social Security

Canadian and US government benefits modelled accurately, including OAS clawback.

Sequence of Returns Risk

See how a market crash in year 1 of retirement hits differently than one in year 10.

RRSP / 401(k) vs Taxable

Compare after-tax outcomes across account types — RRSP, TFSA, 401(k), taxable.

Net Worth Projection

Track your total wealth from today through end of retirement, including portfolio drawdown.

How It Works

1

Enter Your Numbers

Age, retirement age, portfolio, savings, expenses, and CPP/OAS or Social Security. Takes about 3 minutes.
2

Adjust & Explore

Drag sliders to test scenarios — retire earlier, save more, change spending. See results update instantly.
3

See Your Success Rate

1,000 Monte Carlo scenarios give you a probability your plan works across all market conditions.

All calculations run locally in your browser. No data is stored or shared.

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Guides & Resources

CPP Calculator for Canadians

Understand how your CPP amount changes based on when you start and how long you contributed.
Read guide →

Retirement Planning in Canada

A plain-language guide to RRSP, OAS, CPP, and building a retirement income plan.
Read guide →

Social Security & 401(k) Guide

How to claim Social Security, maximize your 401(k), and coordinate both in retirement.
Read guide →

Frequently Asked Questions

Ready to see your numbers?

Run Your Full Retirement Projection

Free  ·  No account needed  ·  Results in seconds