Plan Your Canadian Retirement with Confidence

Calculate CPP, OAS, and project your retirement income in minutesβ€”no spreadsheets required.

πŸ‡¨πŸ‡¦Built for Canadians
πŸ”’Bank-level Security
βœ…2025 Rates

Retirement Planning Doesn't Have to Be Overwhelming

Most Canadians face these common challenges when planning for retirement

❓

When should I start CPP and OAS?

Choosing the wrong age could cost you thousands in lifetime benefits.

πŸ’°

Will my savings last 30+ years?

Uncertainty about whether your nest egg will support your retirement lifestyle.

πŸ“Š

How much tax will I pay?

Complex tax calculations and withdrawal strategies leave you guessing.

πŸ€”

What's the best withdrawal strategy?

RRSP, TFSA, or non-registered? The wrong order can cost you in taxes.

Retire Zest Gives You Clear Answers

Retire Zest is a comprehensive retirement planning tool designed specifically for Canadian seniors. Our calculators use the latest 2025 government rates to project your CPP, OAS, and GIS benefits, while our powerful projection engine shows you exactly how your savings will support your retirement lifestyle.

🎯

Accurate Projections

  • Government benefit calculators (CPP, OAS, GIS)
  • Year-by-year income and expense tracking
  • Tax-efficient withdrawal strategies
  • Updated with 2025 government rates
✨

Easy to Use

  • Step-by-step guided setup
  • Visual charts and graphs
  • Professional PDF reports
  • No financial jargon
πŸ‡¨πŸ‡¦

Built for Canadians

  • Provincial tax calculations
  • RRSP, TFSA, RRIF support
  • Canadian government benefit rules
  • All provinces supported

Everything You Need to Plan Your Retirement

Powerful tools designed specifically for Canadian seniors

πŸ“Š

CPP Optimizer

Calculate your CPP based on earnings history. Find the optimal start age (60-70) with break-even analysis.

πŸ’°

OAS & GIS Calculator

Estimate OAS based on residency. Calculate income clawback and determine GIS eligibility.

πŸ“ˆ

Retirement Projection

Year-by-year income and expenses. Asset balance tracking to age 95+ with full tax calculations.

πŸ”„

Scenario Planning

Compare multiple retirement plans. Test what-if scenarios and retirement age comparisons.

πŸ’Ό

Financial Profile

Track income, assets, expenses, and debts. Manage RRSP, TFSA, and non-registered accounts.

πŸ“„

Professional Reports

Generate PDF retirement reports with executive summaries. Share with financial advisors.

Ready to explore all these features?

Get Started Free

Start Planning in 3 Simple Steps

From signup to your complete retirement plan in under 10 minutes

1
πŸ‘€

Create Account

30 seconds

Sign up with just your email. No credit card required.

2
πŸ“

Enter Your Info

5 minutes

Add your income, assets, and retirement goals through our simple guided forms.

3
πŸ“Š

Get Your Plan

Instantly

View projections, compare scenarios, and download professional reports.

No credit card required β€’ 5-minute setup β€’ Cancel anytime

Secure, Private, and Accurate

Your retirement planning deserves the highest standards of security and precision

πŸ”’

Bank-Level Security

  • 256-bit encryption
  • Secure authentication
  • Privacy-first design
  • No data selling
πŸ‡¨πŸ‡¦

Canadian-Specific

  • 2025 government rates
  • All provinces supported
  • CRA-aligned calculations
  • PIPEDA compliant
πŸ“Š

Accurate Calculations

  • Verified against official calculators
  • Regular updates
  • Transparent methodology
  • Financial planner reviewed
πŸ†“

Free to Start

  • No credit card required
  • Full feature access
  • Export your data anytime
  • Cancel anytime
100%
Free to Use
2025
Latest Tax Rates
24/7
Access Your Plan

Important: Retire Zest is an educational planning tool and does not provide personalized financial advice. Always consult with a licensed financial advisor for recommendations specific to your situation.

Frequently Asked Questions

Everything you need to know about Retire Zest

Ready to Plan Your Retirement?

Join thousands of Canadians gaining clarity about their retirement future

No credit card required β€’ 5-minute setup β€’ Cancel anytime

Free Forever
Secure & Private
2025 Tax Rates