Canadian Retire

Will your savings and pensions be enough? Canadian Retire estimates it in plain terms. Start with the monthly after-tax income you want in retirement, in today's dollars. Then tick Yes or No for what you actually have, and the app asks only about those things. It projects your income forward and checks it against your goal, year by year to the age you choose. WHAT YOU CAN INCLUDE Defined contribution (DC) pension, RRSP, TFSA, non-registered stocks and cash A defined benefit (DB) pension, with start age, indexing and bridge benefit SERP and long-term incentive plan (LTIP) payouts CPP and OAS, with the start age you choose A spouse or partner, with their own accounts and benefits A reverse mortgage, on its own page: borrowing limit, growing loan balance and the equity you would leave WITH CANADIAN TAX BUILT IN 2026 federal and provincial or territorial tax for all 13 provinces and territories Basic personal, age and pension income credits, Ontario's surtax and Health Premium, and Quebec's federal abatement OAS recovery tax on higher incomes Pension income splitting between spouses A withdrawal plan that draws from RRSP/RRIF, TFSA, cash and stocks in a sensible order to reach your goal after tax, with the tax shown for every year MORE TOOLS Savings tracker: log your balances month by month and watch them grow Net worth: what you own minus what you owe, today Charts and tables for income, balances, growth and withdrawals, in future dollars or today's dollars Save your plan to a file and load it back any time PRIVATE BY DESIGN Your numbers stay on your device. There are no accounts, no ads, no tracking, and the app doesn't need an internet connection. PLEASE NOTE Canadian Retire is an educational tool that produces estimates. It is not financial, tax, legal or investment advice. Tax figures are for 2026 and change every year. The model is simplified: for example, it does not calculate tax on interest, dividends or capital gains, so income from stocks and cash is treated as tax-free. Speak with a qualified professional before making retirement decisions.