Free Canadian Retirement Calculator
Retirely is a free, no-sign-up Canadian retirement calculator. Model RRSP, TFSA, RRIF, CPP, OAS, GIS and defined-benefit pensions side by side, compare strategies, and see your after-tax retirement income in every province — all in one place, entirely in your browser.
Free · no sign-up · all 10 provinces · couples & Monte Carlo built in.
One tool for the whole Canadian retirement picture
Most Canadian retirement calculators cover a single slice — one account, one benefit, one province. Retirely models the full picture at once: registered and non-registered accounts, government benefits, pensions, tax in all ten provinces, and longevity risk. Everything runs client-side, so your numbers never leave your device and there is nothing to sign up for.
- Accounts: RRSP, TFSA, non-registered, LIRA/LIF, with automatic RRIF conversion at age 71.
- Benefits: CPP and OAS at any start age, GIS, and provincial senior supplements.
- Strategy comparison: standard, early, delayed-CPP, GIS-maximising and income-equalisation plans side by side.
- Couples: pension income splitting and income equalisation for two partners.
- Risk: Monte Carlo simulation and a FIRE-number calculator.
Explore each calculator
Retirely bundles a family of focused calculators. Jump straight to the topic you need:
Frequently asked questions
Is Retirely really free?
Yes — Retirely is completely free with no sign-up, no account and no paywall. It runs entirely in your browser and is an illustrative scenario tool, not financial advice.
What is the best retirement calculator for Canada?
The best Canadian retirement calculator is the one that models your whole picture — accounts, CPP/OAS timing, pensions and provincial tax together. Retirely does this for all 10 provinces, supports couples and income splitting, and is free with no sign-up, which the bank and government tools generally are not.
How long will $500,000 last in retirement in Canada?
It depends on your spending, other income (CPP, OAS, pensions), investment returns and tax. As a rough guide, a 4% withdrawal rate on $500,000 is about $20,000/year before tax, on top of government benefits. Retirely models the exact drawdown, RRIF minimums and tax year by year so you can see how long your money lasts.
Does Retirely work for all provinces?
Yes. Retirely includes 2024–2025 federal and provincial tax brackets for all 10 provinces, plus province-specific senior supplements, so your after-tax retirement income reflects where you actually live.