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.
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See how CPP, OAS, RRSP savings, retirement spending, and Monte Carlo success rate work together before entering your own numbers.
Open on YouTubeWhat 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
Monte Carlo
CPP / OAS / Social Security
Sequence of Returns Risk
RRSP / 401(k) vs Taxable
Net Worth Projection
How It Works
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See Your Success Rate
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Guides & Resources
CPP Calculator for Canadians
Retirement Planning in Canada
Social Security & 401(k) Guide
Weekly Articles
View all articlesHow RRSP Withdrawals Are Taxed in Retirement
RRSP and RRIF withdrawals are fully taxable as income — not capital gains. Learn the withholding tax rates, RRIF minimums, and the drawdown order that minimizes your lifetime tax bill.
Read articlePension Income Splitting in Canada: A Couple's Tax Strategy
Allocate up to 50% of eligible pension income to your spouse to lower your combined tax — and reduce OAS clawback. Learn what qualifies, the age-65 rule, and a worked example.
Read articleSpousal RRSP Strategy: How Couples Cut Retirement Tax
A spousal RRSP shifts future retirement income from a higher-income spouse to a lower-income one. Learn how the deduction works, the three-year attribution rule, and when it still beats pension splitting.
Read articleFrequently Asked Questions
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