Plan Your Retirement
with Confidence

“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

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See Your Success Rate

How much do I need to retire in Canada?

A common rule is to accumulate 25× your annual expenses (the "4% rule"). The Solutech planner models your CPP, OAS, and savings rate to give you a Canadian-specific estimate — including OAS clawback and provincial taxes.

When should I start CPP?

You can start CPP as early as 60 (with a monthly reduction) or as late as 70 (with an 8.4%/year increase past 65). Delaying is usually advantageous if you expect to live past your mid-70s. Use the planner to compare scenarios.

When can I claim Social Security in the USA?

You can claim as early as 62 or as late as 70. Claiming at Full Retirement Age (67 for those born 1960+) gives your standard benefit; age 70 adds 8% per year. The planner calculates your adjusted benefit for any claiming age.

What is the difference between a 401(k) and a Roth IRA?

A Traditional 401(k) uses pre-tax dollars — you pay tax in retirement. A Roth IRA uses after-tax dollars — withdrawals are tax-free. The planner models both with employer match and Required Minimum Distributions (RMDs) starting at age 73.

Is this tool really free?

Yes — completely free, no credit card, no account required. All calculations run locally in your browser. No financial data is stored or transmitted.