Free Canadian Retirement Calculators

The full Canadian retirement projection: how much you need, whether your money lasts, and what changes if you retire earlier or later — with CPP, OAS, RRIF minimums, tax, and OAS clawback modelled year by year for one person or a couple.

Estimate RRIF withdrawals, RRIF minimums, OAS clawback, income tax, tax-bracket room, and spouse income splitting in one withdrawal strategy.

Calculate your RRIF minimum withdrawal and see the full prescribed-factor table, using your age, the spouse age election, and your January 1 balance — plus project the age-71 RRSP-to-RRIF conversion deadline and your first minimum after it.

Estimate RRSP withdrawal withholding tax, net cash received, and final income tax impact using province, income, and withdrawal amount.

How locked-in accounts work, when a LIRA must become a LIF, and how the LIF minimum is calculated by age — with a conversion projection. The LIF maximum is jurisdiction-specific and not guessed at here.

Plan couple retirement withdrawals with pension income splitting, RRIF/LIF income splitting, spouse CPP/OAS, OAS clawback, and household after-tax cash flow.

Estimate Canadian retirement income tax by province, including CPP, OAS, pension, RRIF/LIF withdrawals, spouse income, and after-tax household income.

Combined federal and provincial tax brackets by province, plus a calculator for how much more income you can take before crossing into the next bracket.

Estimate your Canada Pension Plan benefit from your earnings and contribution years, then compare taking it at 60, 65, or 70 with break-even ages and lifetime totals for you and your spouse.

Estimate the OAS clawback and recovery tax threshold using retirement income, RRIF withdrawals, CPP, pension, and other taxable income.

Estimate Guaranteed Income Supplement eligibility, GIS income limits, and how RRSP/RRIF income versus TFSA withdrawals affects benefits.

Estimate TFSA contribution room, cumulative TFSA limits, prior TFSA contributions and withdrawals, and household TFSA room.

Estimate RRSP contribution room, deduction limit, carry-forward room, pension adjustment and the contribution deadline — then see how much tax filling that room actually saves you.

What happens to a 401(k), Traditional IRA, or Roth IRA when you retire in Canada: the Canadian equivalent of each account, the Article XVIII(7) treaty election, U.S. withholding, the early-withdrawal penalty, and the foreign tax credit — with two calculators.