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Canadian Retirement Tools
Simple Canadian retirement calculators for RRIF withdrawals, OAS clawback, CPP timing, and retirement income tax — enter your information once and every tool uses it.
Enter your information once
Fill in one retirement profile — your age, province, account balances, and income — and every calculator on this site uses it automatically. No retyping the same numbers, no login, and nothing leaves your browser: your profile is saved locally on your own device.
Free Canadian retirement calculators
RRIF & OAS Withdrawal Optimizer
AvailableSee your RRIF minimum, estimated tax, OAS clawback exposure, and suggested withdrawal ranges in one place.
RRIF Minimum Withdrawal Calculator
AvailableYour required minimum RRIF withdrawal for the year, including the younger-spouse age election.
RRSP to RRIF Conversion Age Calculator
AvailableYears until your age-71 deadline, a projected balance at conversion, and your estimated first-year RRIF minimum.
OAS Clawback Calculator
AvailableEstimate the OAS recovery tax on your income and how much of your pension you keep.
CPP Start-Age Comparison Calculator
AvailableCompare starting CPP at 60, 65, or 70 — annual amounts, monthly amounts, and break-even ages.
Retirement Income Tax Calculator by Province
AvailableApproximate federal and provincial tax on your retirement income, with average and marginal rates.
Couples Retirement Withdrawal Planner
AvailableHousehold and per-spouse income, a pension splitting estimate, and OAS exposure for each spouse.
How Much Can I Withdraw Before the Next Tax Bracket?
AvailableHow much more taxable income you can take before crossing the next federal or provincial bracket.
GIS (Guaranteed Income Supplement) Estimator
AvailableEstimate the monthly GIS a low-income senior could receive, and how RRSP/RRIF income vs. TFSA affects it.
TFSA Contribution Room Calculator
AvailableEstimate your cumulative TFSA room since 2009, accounting for contributions and prior withdrawals.
How estimates are calculated
Every number on this site comes from static data tables — CRA prescribed RRIF factors, published federal and provincial tax brackets, and Government of Canada OAS thresholds — each with its source link and a last-verified date. There are no live lookups of CRA or Service Canada systems, and the math is intentionally simplified: it covers progressive brackets, the federal basic personal amount, RRIF minimums, and the 15% OAS recovery tax, but not every credit, deduction, or special rule on a real tax return.
Data tables were last verified on June 12, 2026. You can review every source on the data sources page.