Can I actually retire?
You've been contributing to your RRSP. Maybe a TFSA. Your employer matches something. CPP and OAS will kick in eventually. But is it enough? When can you stop working? These are the questions that keep Canadians up at night — and the ones that a single retirement calculator can't answer.
Not a calculator. A month-by-month simulation of your actual life.
Most retirement calculators ask for your savings, pick a growth rate, and spit out a number. That's not a plan. That's a guess.
We simulate your entire financial future month by month — every account you own, every income source, every tax implication. RRSPs, TFSAs, FHSAs, pensions, employer matching, CPP, OAS — it's all in there, with your real tax situation in your province. You'll see exactly what you have, what you owe, and what's left — for every year of your plan.
Buying a home. Having kids. Changing careers. Receiving an inheritance. Every life event changes the math. The simulation accounts for all of it.
People with a formal financial plan retire with 2–4× more wealth. Not because they earn more — because they can see the path.
When should you start CPP? What about OAS?
Start CPP at 60 and get a reduced benefit for life. Wait until 70 and get 42% more. The “right” answer depends on your health, your other income sources, your spouse's situation, and what happens to your portfolio in the meantime.
We model CPP and OAS start dates as part of your full plan — not in isolation. Create a snapshot at age 60, another at 65, another at 70, and compare the outcomes side by side: total lifetime income, tax burden, portfolio longevity, and whether your money outlasts you.
For couples, it gets more interesting. You can coordinate CPP timing between spouses, model pension income splitting, and test OAS clawback scenarios — all in the same simulation.
The decision about when to start CPP is worth tens of thousands of dollars. Don't guess.
What if the market crashes the year you retire?
Every plan works in a bull market. The interesting question is whether your plan works when markets don't cooperate.
You don't care if your plan has an “82% chance of success.” You care whether it survives real conditions. What happens if you retire into a dot-com crash? What about 1970s stagflation? The 2008 meltdown? COVID?
We test your plan against 1,000 scenarios built from decades of real market history — not made-up distributions. Bull runs, crashes, rate hikes, recoveries. You'll see which conditions cause your money to run out at 82, and which ones leave you with more than you started. Before it matters.
Staying the course matters. Canadian households who maintained a long-term plan saw assets grow 16.4% vs. 1.7% for those who abandoned theirs mid-period.
Pull up your tax return for 2041
Want to know what your tax situation looks like in 15 years? We generate a complete projected tax return for every year of your plan — federal and provincial, both household members, with every line mapped to a real CRA form number.
This is where you spot the problems before they happen: RRIF minimum withdrawals that spike your income in your 70s. OAS clawback kicking in because your RRSP drawdowns pushed you over the threshold. Pension income that could be split with your spouse to save thousands.
Retirement planning and tax planning aren't separate problems. They're the same problem.
You wouldn't fly blind with your investments. Don't fly blind with your taxes.
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$99/year. That's it.
Calculators and learning content are free. The planning app is $99/year per household. No credit card required to start.
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