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Canadian Retirement Tools

Terms & Disclaimer

Please read this before relying on any result from Canadian Retirement Tools.

Educational use only

This website provides educational estimates only and is not financial, tax, legal, accounting, or investment advice. Results are approximate and depend on the information you enter and the data tables used. Always verify with CRA, Service Canada, your province or territory, and a qualified professional before making retirement, tax, or investment decisions.

Nothing on this site is:

  • Financial or investment advice
  • Tax advice
  • Legal advice
  • Accounting advice

Using this site does not create any professional or advisory relationship. Before making retirement, tax, or investment decisions, consult a qualified professional such as a financial planner, accountant, or tax adviser.

Estimates may be inaccurate

The calculators use simplified models and static data tables. They do not account for every credit, deduction, or special rule, and tax laws and government benefit amounts change over time. Figures may be out of date relative to the verification dates shown on the data sources page. Results depend on the information you enter. You are responsible for verifying any figure with CRA, Service Canada, and your province or territory before relying on it.

The site is provided “as is,” without warranties of any kind. To the extent permitted by law, the site operator is not liable for any loss or damage arising from your use of the site or reliance on its estimates.

Advertising

This site displays third-party ads (labelled “Advertisement”) to support free access. See the privacy page for how advertising cookies are used.

Changes

These terms may be updated from time to time. Continued use of the site means you accept the current version.