Open Retirement PlannerPlain-language articles on CPP, OAS, RRSP, TFSA, and how to make the most of your retirement savings. Written for Canadians who are planning — not for accountants.
Everything Canadians need to know about CPP in 2026 — updated contribution limits, enhanced benefits from Phase 2, and how your start age affects your lifetime payout.
A practical framework for deciding between RRSP and TFSA contributions in 2026 — tax math, OAS clawback risk, spousal strategies, and the key rule most Canadians miss.
What Monte Carlo simulation is, why straight-line projections mislead retirees, and how a success rate of 85% should shape your retirement spending plan.
The real answer to "how much do I need to retire in Canada?" — using CPP, OAS, and the 4% rule to estimate your target nest egg based on your lifestyle.
What the OAS Recovery Tax is, how it is calculated in 2026, and the strategies — TFSA drawdowns, pension splitting, RRSP timing — that reduce how much you give back.
Retiring at 55 in Canada means bridging a decade before CPP and OAS kick in. Here is how to calculate the bridge amount, manage RRSP drawdown, and stress-test the plan.
A side-by-side comparison of US Social Security and Canadian CPP — contribution rates, 2026 maximum benefits, early and late claiming, and the Totalization Agreement for cross-border workers.
The 2026 TFSA limit is $7,000. Learn how to check your contribution room, avoid over-contribution penalties, and why TFSAs are essential for tax-free retirement income.
Claim OAS at 65 or defer to 70? Learn the break-even age, how the 7.2%/year deferral increase works, OAS clawback rules, and how to coordinate OAS with CPP.
CPPD automatically converts to CPP Retirement at age 65 — you never receive less. Learn how the conversion works, what other income sources you will have, and how to plan with RDSP and TFSA.
For Canadians working in the US and Americans working in Canada — how RRSPs and 401(k)s are treated under the Canada-US tax treaty, what to do with existing accounts, and how to avoid double taxation.
The Solutech Retirement Planner models CPP, OAS, RRSP, TFSA, and Monte Carlo simulations — free, with no account required.
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