Free, educational Canadian retirement tools · figures reviewed October 30, 2026Part of the MITEY network
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    Mitey dropping a coin into one of three savings jars

    Household drawdown planner

    Your whole retirement, year by year: CPP, OAS, pensions, tax, the best withdrawal order and a printable paycheque.

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    CPP start-age comparison

    CPP after zero-earnings years, every start age from 60 to 70, and break-even ages.

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    OAS timing and clawback

    Recovery tax above the 2026 threshold and the value of deferring to 70.

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    RRSP vs TFSA

    After-tax value of the same pre-tax dollars in each account.

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    RRIF minimum withdrawals

    The CRA minimum each year, with balances, using your or your spouse's age.

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    Pension income splitting

    The split (0–50%) with the lowest combined tax and clawback.

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    Retirement income tax

    2026 federal and provincial tax on CPP, OAS, pension and RRIF income.

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    Terms, in plain words

    • Free to use on any website. Keep the "Powered by RetirementPlanner.ca" link visible.
    • Nothing about your visitors is tracked or collected by the calculators; everything runs in their browser.
    • Results are educational estimates, not your advice to clients and not ours.
    • Optional accent colour: add ?accent=0a5c8a (any 6-digit hex) to the embed address.

    Educational estimate, not advice. Results depend on your inputs and the assumptions listed. They are not a prediction of returns or a recommendation. Check benefit amounts in your My Service Canada Account and tax details with the CRA. Read the disclaimer.