Free Canadian Retirement Calculators

Every tool below uses the same retirement profile, so enter your information once and move freely between calculators.

See your RRIF minimum, estimated tax, OAS clawback exposure, and suggested withdrawal ranges in one place.

Your required minimum RRIF withdrawal for the year, including the younger-spouse age election.

Years until your age-71 deadline, a projected balance at conversion, and your estimated first-year RRIF minimum.

Estimate the OAS recovery tax on your income and how much of your pension you keep.

Compare starting CPP at 60, 65, or 70 — annual amounts, monthly amounts, and break-even ages.

Approximate federal and provincial tax on your retirement income, with average and marginal rates.

Household and per-spouse income, a pension splitting estimate, and OAS exposure for each spouse.

How much more taxable income you can take before crossing the next federal or provincial bracket.

Estimate the monthly GIS a low-income senior could receive, and how RRSP/RRIF income vs. TFSA affects it.

Estimate your cumulative TFSA room since 2009, accounting for contributions and prior withdrawals.