Model RRSP, TFSA, CPP, OAS and pensions side by side, see your after-tax income in every province, and stress-test it with Monte Carlo — all in your browser.
No account. No data leaves your device. Illustrative only — not financial advice.
Accounts, benefits, tax and longevity, modelled together — not one piece at a time.
RRSP, TFSA, non-registered and LIRA/LIF, with automatic RRIF conversion at 71.
Compare taking CPP at 60, 65 or 70, model OAS clawback, GIS and provincial supplements.
Federal and provincial tax brackets, so your after-tax income reflects where you live.
Full couple mode with pension income splitting and income equalisation.
Stress-test your plan against thousands of market paths instead of a single guess.
A FIRE number, rental-property analyzer and estate/probate planner, all included.
Three steps, about three minutes.
Age, savings, contributions and your target retirement age. No sign-up, nothing leaves your browser.
See standard, early, delayed-CPP and income-splitting plans side by side, with tax and longevity.
Adjust assumptions, run Monte Carlo, and read the guides to reach a confident decision.
Jump straight to the question you’re trying to answer.
Plain-English articles on the big Canadian retirement decisions — then run the numbers.
Retiring at 60 means five years before OAS and a real decision about when to start CPP. Here's what it actually takes — the savings, the gap years, and the risks to plan around.
PlanningMost Canadians assume they'll get the maximum CPP. Most won't. Here's what really drives your amount, the gap between average and maximum, and how to find your own number.
CPPLike CPP, OAS can be deferred for a bigger cheque — up to 36% more at 70. But the maths, and the clawback, work differently. Here's how to decide.
OASYes — Retirely is completely free with no sign-up and no account. It runs entirely in your browser and is an illustrative planning tool, not financial advice.
It models RRSP, TFSA, RRIF, CPP, OAS, GIS and defined-benefit pensions together, compares withdrawal strategies, estimates tax in all 10 provinces, supports couples with income splitting, and runs Monte Carlo simulations.
No. All calculations run client-side and your inputs are saved only in your own browser’s local storage. Nothing is sent to a server.
Free, no sign-up, all 10 provinces — couples and Monte Carlo built in.
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