Plan retirement income with fewer assumptions and better tools.
Estimate savings and withdrawals, understand RRSP and RRIF decisions, account for CPP and OAS, compare investment fees and review the major planning questions in one place.
Core retirement tools
Start with the planner, then use focused tools to test taxes, fees and investment growth.
Canadian Retirement Planner
Project account growth, retirement withdrawals, CPP, OAS, inflation and changing spending needs.
Build a projection →Pension Pal
Ask retirement questions about Canadian pensions, registered accounts and withdrawal planning.
Ask Pension Pal →Canada Tax Calculator
Estimate taxable income and take-home amounts when comparing retirement withdrawal scenarios.
Estimate taxes →Investment Fee Calculator
See how ongoing mutual fund or ETF fees may reduce long-term portfolio value.
Compare fees →Compound Growth Calculator
Visualize how time, contributions and return assumptions affect long-term savings.
Calculate growth →Canadian Retirement Guide
A consolidated guide covering accounts, income sources, withdrawals, investing and retirement abroad.
Read the guide →A practical planning sequence
Retirement planning is clearer when the decisions are made in the right order.
Set spending targets
Separate essential expenses, flexible lifestyle spending and one-time costs.
Map income sources
Include employment income, pensions, CPP, OAS and planned account withdrawals.
Test withdrawal order
Compare RRSP or RRIF, non-registered and TFSA withdrawals under different tax assumptions.
Stress-test the plan
Model lower returns, higher inflation, longer life and unexpected spending.
Use current official information
Contribution room, benefits, tax rules and payment amounts change. Confirm important decisions with CRA, Service Canada and a qualified professional.
Educational, not personal advice
The calculators provide scenarios based on your inputs. They do not replace individualized tax, investment, legal or estate-planning advice.