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.
2,000+ retirement plans simulated by Canadians since launch.
“I built my own spreadsheet to track and project my money into the future. Your application paints a much better picture than my own spreadsheet.”
Questions that come up again and again 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
Yes! RetireZest fully supports both single and couples retirement planning. You can enter information for both partners, and our system will optimize strategies considering both incomes, coordinating CPP/OAS timing, and maximizing tax efficiency for your household.
Your Zest Score™ is a single number from 0-100 that measures your overall retirement readiness across four pillars: plan survival, tax cost, cushion, and spending reliability. Think of it like a credit score, but for your retirement plan — the higher the score, the stronger your position.
Learn how the Zest Score works →You can stress-test your plan with real-world scenarios like lower returns, high inflation, increased spending, healthcare expenses, part-time work, and different CPP/OAS timing. For couples, you can toggle timing per person per benefit. Each scenario shows a side-by-side comparison with your current plan.
Yes! If you have a holding company, you can include your corporate account balances and model eligible/non-eligible dividends, capital gains, and tax-efficient drawdown strategies. RetireZest plans how and when to withdraw — you decide where to invest.
Yes! RetireZest offers a free plan that lets you run your full retirement plan — Strategy Fit comparison, corporate planning, CPP/OAS estimates, and profile management — with 10 free simulations, then 3 a month. Premium removes the cap — unlimited simulations — and adds quarterly check-in reviews, priority support, professional PDF reports, CSV export, Monte Carlo stress testing, and AI insights. No credit card is required to get started.
Smart Scenarios (stress-testing) are available to all users. AI-powered personalized insights that explain what each scenario means for your specific situation are a Premium feature.
Our estimates use official 2026 government rates and formulas. While we provide accurate projections, your actual benefits may vary based on your complete earnings history. We recommend verifying with Service Canada at canada.ca.
Yes. All connections are encrypted with TLS (HTTPS), passwords are hashed with bcrypt and never stored in readable form, and your data sits in a Canadian-hosted database that only you can access. We do not connect to your bank, and we do not sell your data. Full details on our Security page.
No. You enter your account balances, income, and expenses manually. RetireZest does not connect to your bank, ask for passwords, or access your accounts. We plan your retirement — we don't manage your money.
Yes! RetireZest works for pre-retirees and current retirees. You can project your remaining retirement years, optimize your strategy, and make sure your plan holds up over time.
Yes. RetireZest models your working years too. RRSP and TFSA contributions grow your balances until retirement, and your plan shows the full transition from saving to spending. Couples can retire at different times — one partner can keep working while the other starts drawing income.
Yes. You can include your home, rental income, and a planned downsize in your plan — the sale price, the cost of the new home, and what the freed-up equity adds to your retirement income. The principal residence exemption is applied automatically, and real estate is included in your estate projection.
Our tax engine fully supports all 13 Canadian provinces and territories, including Quebec (QPP) with its own brackets, credits, and abatement. CPP, OAS, and GIS estimates work for all Canadians.
Yes! You can generate PDF reports to share with your advisor, spouse, or family members.
Yes. RetireZest for Advisors is a separate platform for Canadian financial advisors and retirement planners — it models a client’s full picture (CPP/OAS timing, GIS clawback, corporate drawdown, real estate at death) and produces a plain-language read-out and a single Zest Score. It’s in early access for advisors in Alberta, British Columbia, Ontario, and Quebec.
See RetireZest for Advisors →No. RetireZest is a retirement planning tool for educational purposes. It does not provide personalized financial advice. Always consult a licensed financial advisor before making decisions about your retirement.
We update CPP, OAS, GIS, and tax rates annually when the government releases new figures (typically January).
Official Government Sources
Have more questions?
Build your plan, stress-test it, and see where you stand with your Zest Score™ — no credit card required.
“I did my mum and my Q2 update… I like this feature. I also think it is unique right now.”
“I’d done my own calculations before deciding to stop working. RetireZest confirmed my numbers — with more accuracy and detail.”
“Another thing that I like a lot is that I can do a lot — evaluate the platform — before paying.”
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