See exactly how much you can spend in retirement — whether it's ten years away or already here — with real CPP, OAS, and 2026 tax rules built in.
Not ready to sign up? Try the free “Can I Retire?” calculator — no name or email needed.
2,000+ retirement plans simulated by Canadians since launch.
Most Canadians face these challenges when planning for retirement
Choosing the wrong age could cost you tens of thousands in lifetime benefits.
CPP timing guide →Uncertainty about whether your retirement plan can sustain your lifestyle for 25-30+ years.
Retirement savings targets →The wrong withdrawal order from RRSP, TFSA, and non-registered accounts costs you in taxes.
Withdrawal order guide →Market drops, high inflation, or unexpected expenses can derail even a solid plan.
Sequence of returns risk →Rules of thumb and generic calculators can't handle the Canadian parts — CPP timing, RRIF minimums, OAS clawback, GIS. RetireZest runs your actual numbers through those rules, so the answers are yours, not averages.
RetireZest is a self-serve planner that simulates your retirement year by year — income, taxes, CPP, OAS, withdrawals — from today into your 90s. No advisor required, no bank access, free to start.
One score from 0-100 — like a credit score, but for your retirement plan. It shows how strong your plan is today, and where to focus to improve it.
What if inflation spikes? Markets drop? You spend more? Test real-world scenarios and compare results side by side.
Take CPP at 60, or wait for more later? Try every start age and see the lifetime dollar difference — for each partner separately.
The order you draw from your accounts can change your lifetime tax bill. We compare 8 draw orders on your numbers and recommend the best fit.
Each quarter, enter your real account balances and see how you’re tracking against the plan. Your plan stays a living document — not a one-time report.
Model corporate accounts with eligible/non-eligible dividends, capital gains, and tax-efficient drawdown from your holding company.
Include your home, rental income, and a future downsize. See how selling or downsizing changes your retirement income — with the principal residence exemption handled for you.
Still working? Keep growing your RRSP and TFSA through your final working years. Couples can retire at different times — the plan handles the transition.
Tap any term — CPP, OAS, RRIF, GIS, OAS clawback — and get a plain-English explanation right where you need it. No jargon.
AI summaries explain what each result means for your plan — and what’s worth looking at next.
Check feasibility → Build your profile → See your Zest Score
Check if early retirement is realistic with our readiness assessment. Get instant feedback on where you stand.
Add your income, assets, expenses, and retirement goals through our guided setup wizard. Learn as you go with built-in explanations.
Get your retirement health score, stress-test with smart scenarios, compare withdrawal strategies, and see year-by-year projections.
Your retirement planning deserves the highest standards of security and precision
Important: RetireZest is a retirement planning tool for educational purposes and does not provide personalized financial advice. Always consult with a licensed financial advisor before making decisions about your retirement.
Everything you need to know about RetireZest
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