Everything You Need to Plan a Confident Retirement
Powerful tools designed specifically for Canadian retirees and pre-retirees
Your Retirement Health at a Glance
A single score from 0ā100 tells you instantly if your plan is on track. Four pillars ā plan survival, tax cost, retirement cushion, and spending reliability ā combine into one clear number.
Find Your Best Withdrawal Strategy
We compare 8 withdrawal strategies ā TFSAāfirst, RRIF meltdown, balanced, GISāoptimized, and more ā and recommend the best fit for your situation.
When Should You Take Benefits?
Sweeps CPP ages 60ā70 and OAS ages 65ā70 to find the combination that maximizes your net lifetime impact. Shows dollar savings, not just percentages.
How Resilient Is Your Plan?
Run thousands of market scenarios to see your plan's probability of success. Test against inflation spikes, bear markets, and sequenceāofāreturns risk.
Plan Together or Solo
Full support for couples with staggered retirement ages, coordinated CPP/OAS timing, and householdālevel tax optimization. Works great for singles too.
Built for Business Owners
Model corporate accounts with eligible and nonāeligible dividends, capital gains, RDTOH refunds, and taxāefficient drawdown from your holding company.
Accurate, ProvinceāSpecific Taxes
Progressive federal and provincial brackets for AB, BC, ON, and QC. Includes OAS clawback, GIS calculations, age credits, pension income splitting, and 2026 rates.
Personalized Recommendations
AIāgenerated summaries explain what each scenario means for your plan in plain language, with actionable next steps.
Learn While You Plan
Tap any term ā CPP, OAS, RRIF, GIS, OAS clawback ā and get a plaināEnglish explanation right where you need it. No jargon.
Free to start. No credit card required.